Notices
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Expat Owner Occupier mortgages for product switch

See our current range of expat Owner Occupier 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All of these mortgage products have limited funds available and may be withdrawn at any time.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 Owner Occupier 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. 

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

A summary of our current range of Expat Owner Occupier mortgage products available for product switch can be found here.

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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

6.69% Expat 1.75% Discounted Rate from follow on rate for 2 years (XD0217)

6.69% 8.44% 8.5%APRC
  • Interest-Only
60% £0
 

Some key features of this mortgage

  • Purpose - Expat for product switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.19% 
  • Loan to Value - Maximum 60%
  • Application Fee - £0
  • Valuation Fees - £0
  • Product Fee - £0
  • Early Repayment Charges -  2% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum loan - No minimum
  • Cost for comparison - 8.5% APRC
  • Additional criteria - We require a UK address for the serving of notice

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

6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0218)

6.94% 8.44% 8.5%APRC
  • Interest-Only
80% £0

Some key features of this mortgage

  • Purpose - Expat product switch
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.44% 
  • Loan to Value - Maximum 80%.
  • Application fee - £0
  • Valuation fees - £0
  • Product fee - £0
  • Early Repayment Charges -  2% in the first year, 1% in the second year                                     
  • Maximum loan - No maximum.
  • Minimum loan - No minimum
  • Cost for comparison - 8.5% APRC
  • Additional criteria - We require a UK address for the serving of notice.
 

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

Comparing two mortgage products

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Initial interest rate DYNAMIC DYNAMIC
Current follow on rate DYNAMIC DYNAMIC
Overall cost for comparison DYNAMIC DYNAMIC
Repayment or Interest-Only? DYNAMIC DYNAMIC
Max % loan to value (LTV) DYNAMIC DYNAMIC
Product fees DYNAMIC DYNAMIC
Additional benefits DYNAMIC DYNAMIC

Note that products are subject to additional terms and subject to change. See a product's full details to find out more.