Notices

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Mortgage payment difficulties? We may be able to help. Find out more

We're here to help if you're experiencing or expect to experience difficulties in paying your mortgage. Find out more.

6.59% Expat 5 Year Fixed Rate to 28/02/2029 (XF0697)

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 benefits
6.59% Expat 5 Year Fixed Rate to 28/02/2029 (XF0697)
6.59%	9.19%	8.6%APRC	Interest-Only	70%	1.00%~

Key things to bear in mind

Purpose - Expat Purchase and remortgage
Loan to Value - Maximum 70%
Fixed Rate end date - 28/02/2029
Application fee - £175 + Valuation Fee for purchase and remortgage
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 £330.00 discount
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 - 1.00% subject to a min of £1,000
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
Cost for comparison - 8.6% APRC

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More downloads & what you'll need to apply

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)

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.

Additional Information
As part of a Buy to Let limited Company application we may ask for additional information when we receive the application form