Notices
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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

6.29% Expat 5 Year Fixed Rate to 28/02/2029 (XF0695)
6.29% 9.19% 8.5%APRC
  • Interest-Only
 60% 1.00%^

Some key features of this mortgage

  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / remortgage applications submitted from directly authorised brokers. 
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 28/02/2029
  • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • Legal fees - £100 minimum for further advances
  • ^Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch
  • Early Repayment Charges - 5% until 28/02/2025, 4% until 28/02/2026, 3% until 28/02/2027, 2% until 29/02/2028, 1% until 28/02/2029 
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.5% APRC

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

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6.39% Expat 5 Year Fixed Rate to 28/02/2029 (XF0696)
6.39% 9.19% 8.5%APRC
  • Interest-Only
 70% 1.00%~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / remortgage applications submitted from directly authorised brokers. 
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 28/02/2029
  • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • Legal fees - £100 minimum for further advances
  • ~Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 28/02/2025, 4% until 28/02/2026, 3% until 28/02/2027, 2% until 29/02/2028, 1% until 28/02/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.5% APRC

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

Take the next step:

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7.39% Expat 1.80% Discounted Rate from follow on rate for 2 years (XD0206)
7.39% 9.19% 9.4%APRC
  • Interest-Only
 60% £999~

Some key features of this mortgage

 

  • Purpose - Expat purchase, remortgage, product switch and further advance 
  • Discount - 1.80% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.74% 
  • Loan to Value - Maximum 60%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase and Remortgage) - Full standard valuation fee scale applies.
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance, £0 for product switch)
  • 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. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges - 2% in the first year and 1% in the second year
  • Cost for comparison - 9.4% APRC
  • 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.

Take the next step:

See full details See what I could borrow
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7.54% Expat 1.65% Discounted Rate from follow on rate for 2 years (XD0207)
7.54% 9.19% 9.4%APRC
  • Interest-Only
 70% £999~

Some key features of this mortgage

  • Purpose - Expat Purchase, remortgage, product switch and further advance 
  • Discount - 1.65% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.89% 
  • Loan to Value - Maximum 70%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase and Remortgage) - Full standard valuation fee scale applies
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance, £0 for product switch)
  • ~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. £2,000 for further advance. No minimum for product switches
  • Early Repayment Charges - 2% in the first year and 1% in the second year
  • Cost for comparison - 9.4% APRC
  • 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.

Take the next step:

See full details See what I could borrow
Ask us to call you back

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.