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All of these mortgage products have limited funds available and may be withdrawn at any time.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

7.24% Expat 1.20% Discounted Rate from follow on rate for 2 years (XD0200)
7.24% 8.44% 8.6%APRC
  • Interest-Only
 60% £999~ £500 cashback for remortgages^
 

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance
  • Discount - 1.20% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.59% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  2% in the first year, 1% in the second year
  • 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
  • Cost for comparison - 8.6% APRC
  • Additional criteria - We require a UK address for the serving of notice
  • See our 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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7.74% Expat 0.70% Discounted Rate from follow on rate for 2 years (XD0201)
7.74% 8.44% 8.8APRC
  • Interest-Only
 80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance 
  • Discount - 0.70% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 5.09% 
  • Loan to Value - Maximum 80%.
  • Application fee - £175 + Valuation Fee for purchase and remortgage. £125 for further advance. £0 for product switch
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  2% in the first year, 1% in the second year                                     
  • 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.
  • Cost for comparison - 8.8% APRC
  • Additional criteria - We require a UK address for the serving of notice.
  • See our expat page for our 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

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.