Notices

  • Savings customers - interest rates on many of our variable rate savings products decreased on 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.

    We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

Expat-Own-Occupier-Mort-994x437-need-to-borrow-more

Expat Owner Occupier mortgages for additional borrowing

See all of our expat Owner Occupier Interest-Only mortgage products available for additional borrowing.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

All of these mortgage products have limited funds available and may be withdrawn at any time.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

 

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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.