Notices

  • Homes for Ukraine - important information can be found here.

  • Monthly savings statements - From May we will be sending future monthly statements of electronic transactions on your savings account by email. More details on how to view your statement and the new process can be found here.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.25% to 1.00% on 5 May 2022, Windfall Bond and Tracker Savings Bond rates will increase by 0.25% from 1 June 2022. We are reviewing our other variable savings rates and will notify customers of any interest rate increase on their account. Tracker mortgages will change on 25 June 2022 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. (Notice updated 06/05/2022)

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Expat Buy to Let mortgages for product switch

See our current range of expat Buy to Let mortgage products available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time. We offer Buy to Let expat 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. Most forms of Buy to Let mortgage are not regulated by the Financial Conduct Authority (FCA).

This information should be read in conjunction with the following documents: 'Additional information about our mortgages' and 'Getting a Mortgage: what you need to know' guide, which provide important information about our mortgage services.

 

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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

3.09% 3 year discounted rate by 2.45% for Expats
3.09% 5.54% 5.3%APRC
  • Interest-Only
 60% £999~

Some key features of this mortgage

 

  • Purpose - Expat purchase, remortgage, product switch and further advance 
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 3.09% 
  • 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 - 3% in the first year, 2% in the second year and 1% in the third year
  • Cost for comparison - 5.3% 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.

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3.19% 5 year fixed rate until 30/04/2027 for expats
3.19% 5.54% 4.8%APRC
  • Interest-Only
 60% £0

Some key features of this mortgage

  • Purpose - Expat product switch and further advance
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/04/2027
  • Application fee - £125 for further advance. £0 for product switch       
  • Valuation Fees  - £0
  • Legal fees - £100 minimum for further advances
  • Product fee - £0
  • Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027 
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.  
  • Cost for comparison - 4.8% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/08/2022

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

3.24% 3 year discounted rate by 2.30% for Expats
3.24% 5.54% 5.3%APRC
  • Interest-Only
 70% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance 
  • Discount - 2.30% applied to our Residential Investment Managed Mortgage Rate for 3 years
  • Minimum rate - 3.24% 
  • 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 - 3% in the first year, 2% in the second year and 1% in the third year
  • Cost for comparison - 5.3% 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

3.34% 5 year fixed rate until 30/04/2027 for expats
3.34% 5.54% 4.9%APRC
  • Interest-Only
 70% £0

Some key features of this mortgage

  • Purpose - Expat product switch and further advance
  • LTV - Maximum 70%
  • Fixed Rate end date - 30/04/2027
  • Application Fee - £125 for further advance. £0 for product switches
  • Legal fees - £100 minimum for further advances
  • Valuation Fees - £0
  • ~Product Fee - £0
  • Early Repayment Charges - 5% until 30/04/2023, 4% until 30/04/2024, 3% until 30/04/2025, 2% until 30/04/2026, 1% until 30/04/2027
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.9% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/08/2022


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.