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5.59% Expat 5 Year Fixed Rate to 31/10/2029 (XF0851)

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional

5.59% Expat 5 Year Fixed Rate to 31/10/2029 (XF0851)

5.59% 9.19% 8.2%APRC
  • Interest-Only
70% 1.00%~

£500 cashback for remortgage applications^

Key things to bear in mind

  • Purpose - Purchase and remortgage
  • 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 - 31/10/2029
  • Application fee - £175 + Valuation Fee
  • 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 (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
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • 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
  • Cost for comparison - 8.2% APRC.
Buy to Let calculator Email us Ask us to call back Summary & fees

More downloads & what you'll need to apply


We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.

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 / Accountants reference to confirm physical home address.

Bank statements

  • Three full months most recent consecutive bank statements for all current accounts, to evidence all income and outgoings. Bank statements must show the applicants name, account number, sort code and bank logo.

If you're renting your current home you'll need:

  • Last 12 months statements showing rent payments.

If you already have a mortgage you'll need:

  • Proof of mortgage payments - we carry out an electronic credit check on all applicants which usually confirms this. However if this fails, we will need proof. This can be provided from 12 months bank statements, the latest mortgage statements, or a combination. To speed up our underwriting, you can provide these on submission.

Proof of income

If you're employed in a company you'll need:

  • Three months' most recent payslips
  • Most recent P60.

If you have property or investment income you'll need:

  • Two years most recent SA302s.

If you're self employed you'll need:

  • Two years most recent accounts or two years most recent SA302s / Tax Calculations (100% Completed) or Family Building Society Accountant's Certificate
  • Accountant's details on the application form.

If you are already retired or if the term of your mortgage term goes beyond retirement or age 70 you'll need:

  • Most recent Pension Statement or letter from Department for Work and Pensions
  • Most recent annual Pension Statement
  • Most recent P60.

Other items

Applicants are required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.

Tenancy agreement

  • For remortgages, a copy of the existing / proposed tenancy agreement.

Background BTLs

  • Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this).

Evidence of deposit for purchases

  • 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).

Offset accounts

  • Offset Saver application form.

Expat applications

  • 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.

Applicants with four or more mortgaged Buy to Let properties

  • We will treat these applications as a portfolio landlord and we require details of their full portfolio and a business plan.

Case study - The Family Mortgage - helping first time buyers with small deposits

Choosing the Family Mortgage to buy their first home together

View full case study 

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.

More about who we areView our awards

Contact our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

Existing customers

Savings - 03330 140144

Mortgages - 03330 140146

...or ask the way that suits you.

Request a call back

We can call you back at a time that suits you.

Visit us in branch

Ashley Square, Epsom, Surrey, KT18 5DD.

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