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Mortgage products - On Wednesday 8 May we launched a new range of Owner Occupier and Buy to Let Fixed Rate mortgage products. The updated product range includes products available for purchase, remortgage, further advance and product switch applications. Further information can be found here.
6.09% Expat 2 Year Fixed Rate to 31/10/2026 (XF0818)
The mortgage will be secured on your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Key things to bear in mind
- Purpose - Expat purchase, remortgage, product switch and further advance
- Loan to Value - Maximum 60%
- Fixed Rate end date - 31/10/2026
- 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 - 2% until 31/10/2025, 1% until 31/10/2026
- 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 - 9.0% APRC
More downloads & what you'll need to apply
Identification
For Expat clients we also require:
- Certified copy of UK Passport
- Certified Proof of address (utility bill, bank statement, credit card statement, driving licence
- A certified copy of any ID card for the applicant’s country of residence if one is issued, and a resident’s permit / Visa
- Employers reference / Accountants reference to confirm current physical address.
Bank statements
Proof of income
Other items
- For remortgages, a copy of the existing/proposed tenancy agreement.
- Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this).
- Evidence of deposit in a UK account held by the applicant(s)
- For gifted deposits, we require a signed gift letter from the giftor plus evidence of funds in a UK account and the giftors details (names, date of births, relationship to applicants).
- Applicants are required to provide a UK contact where the Society is able to serve notice regarding the mortgage. This can be a UK Solicitor or close family member in the UK.
- We will treat these applications as a portfolio landlord and we require details of their full portfolio and a business plan.
Over 125 years of helping people move in
For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.
Contact our expert UK team
Existing customers
Savings - 03330 140144
savings.service@familybsoc.co.uk
Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk
...or ask the way that suits you.
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Ashley Square, Epsom, Surrey, KT18 5DD.
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