Notices

Our new and improved Online Service is here.
We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes
We have launched a new issue of our Online Saver, paying 4.55% Gross AER on balances of £100+. Find out more

The Online Saver (10) is now available for applications via our Online Service. Find out more and apply.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.25% on 8 May 2025. Read more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 June 2025. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 June 2025 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.

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All of these mortgage products have limited funds available and may be withdrawn at any time.

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	Next steps
6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)						Compare
6.19%	7.94%	7.9%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.19% Loan to Value - 60% Application fee - £0 for Product Switches Legal fees - No legal fees for Product Switches Valuation Fees - £0 ^~Product Fee - £0 for Product Switches Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - No maximum for product switches Minimum Loan - No minimum for product switches. Cost for comparison - 7.9% APRC. 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
6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)						Compare
6.44%	7.94%	8.0%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch Discount - 1.50% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.44% Loan to Value - 80% Application fee - £0 for Product Switches Legal fees - No legal fees for Product Switches Valuation Fees - £0 ^~Product Fee - £0 for Product Switches Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - No maximum for product switches Minimum Loan - No minimum for product switches. Cost for comparison - 8.0% APRC. 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


Product	DYNAMIC	DYNAMIC
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.

Expat Owner Occupier mortgages for product switch

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

Some key features of this mortgage

Take the next step:

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products