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Expat Buy to Let mortgages

See all of our expat Buy to Let Interest-Only mortgage products available for purchase or remortgage.

The mortgage will be secured on your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.

We offer expat Buy to Let mortgages for properties located in England or Wales. We're able to lend to UK Nationals aged over 18 who are working abroad, and whose families are remaining in the UK subject to certain conditions.

Our expat mortgages are only available on an Interest-Only basis.

Please refer to our lending criteria for more information.

Product details should be read in conjunction with our'Getting a mortgage: what you need to know' guide and our 'lending criteria'.

 

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Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

3.99% 3 year discounted rate by 1.15% for Expats

3.99% 5.14% 5.1%APRC
  • Interest-Only
60% £999~

Some key features of this mortgage

  • Purpose - Expat purchase and remortgage
  • Discount - 1.15% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 3.89% 
  • Loan to Value - Maximum 60%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. 
  • Valuation Fees - Based on the greater of the purchase price or value of the property
  • Valuation Fees (Multi Unit Freehold Blocks) – The full Multi Unit Freehold Block valuation fee scale will apply for this property type.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage.  
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Additional information: 
    Please refer to our lending criteria for a full list of countries currently considered for expat applications.                                                                                                                     
 

See full details for fee details, documents you'll need, and more.

4.29% 3 year discounted rate by 0.85% for Expats

4.29% 5.14% 5.2%APRC
  • Interest-Only
65% £999~

Some key features of this mortgage

  • Purpose - Expat purchase and remortgage
  • Discount - 0.85% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 4.19% 
  • Loan to Value - Maximum 65%
  • Application fee - £175 + Valuation Fee for purchase and remortgage.
  • Valuation Fees - Based on the greater of the purchase price or value of the property
  • Valuation Fees (Multi Unit Freehold Blocks) The full Multi Unit Freehold Block valuation fee scale will apply for this property type.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage.  
  • Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third year
  • Additional information: 
    Please refer to our lending criteria for a full list of countries currently considered for expat applications.                                                                                                                 

See full details for fee details, documents you'll need, and more.

Comparing two mortgage products

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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.