Notices

Friday 13th November 11am. We are aware of a worldwide issue with Microsoft Services. We are currently assessing what effect this has, although please be aware we may not be able to respond to or see emails you send us. We will provide an update as soon as we are able. Our Online Service and telephone lines are working as normal - contact details can be found here.
Our Premium Saver (7) and (8) have been withdrawn from sale

Any customers that have recently applied for these accounts will have until 3pm on 30 November 2026 to fund their accounts.
Rate changes following Bank of England decision to increase its Bank Rate by 0.25% to 4.00% on 5 November. Find out more
The interest rate on our Windfall Bond will increase by 0.25% to 3.00% on 1 December 2026
The interest rates on Tracker rate mortgages will increase by 0.25% on 25 December 2026.
We will contact customers with these accounts to explain how the rate increases will affect them.

Expat Buy to Let mortgages for product switch

Q: Will it cost me to change my product?

No. As an existing borrower there are NO FEES payable to change your mortgage product.

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All of these mortgage products have limited funds available and may be withdrawn at any time.

View a summary of our current range of Expat Buy to Let mortgage products available for product switch.

If you have converted your property to a HMO, please get in touch with us so that we can discuss what HMO product options are available for you.

Any questions?

If you have any questions and are unsure what mortgage product would be suitable for you you can arrange an appointment or speak to a customer representative. You can get in touch the following ways:

Call us on 03330 140146 Ask us to call back Email us

Frequently asked questions

Will it cost me to change my product?

No. As an existing borrower there are NO FEES payable to change your mortgage product.

What happens if I do nothing and my mortgage product expires?

If you do not take action, the rate of interest on your mortgage will change to the follow on rate as specified in the terms of your mortgage. Whilst your mortgage remains on its follow on rate, you will be able to make capital repayments without incurring an early repayment charge. However, our follow on rates are usually more expensive than our new mortgage products and may cost you more in the long term. It’s also variable so you need to be comfortable with the risk of your monthly payments going up if the rate changes.

But its not too late - even if your current mortgage product has expired you can still switch to a new Owner Occupier or Buy to Let mortgage product with us.

Our promise to you

We want you to feel comfortable that you have made the right decision. For your peace of mind, we promise that in the period between you returning your completed Acceptance Form and your existing product ending, if our product range changes you can choose an appropriate alternative product from the new range that you feel is most suited to your needs. For example, if you select a three year fixed rate and a lower rate equivalent product becomes available in the meantime, you can opt for the newer rate as long as we receive your new Acceptance Form before the end of your existing product.

We look forward to helping you switch your mortgage product but please, for your own peace of mind, don't leave it to the last minute.

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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
5.84% Expat (2.45% discounted rate from follow on rate) for 2 years (XD0239)						Compare
5.84%	8.29%	8.2%APRC	Interest-Only	75%	£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 and Further Advance Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 75% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% 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
6.69% Expat 5 Year Fixed Rate to 30/11/2031 (XF1390)						Compare
6.69%	8.29%	7.9%APRC	Interest-Only	75%	£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 and Further Advance Loan to Value - 75% Fixed Rate end date - 30/11/2031 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. 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
6.84% Expat 2 Year Fixed Rate to 31/01/2029 (XF1413)						Compare
6.84%	8.29%	8.3%APRC	Interest-Only	75%	£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 and Further Advance Loan to Value - 75% Fixed Rate end date - 31/01/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% 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


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Current follow on rate	DYNAMIC	DYNAMIC
Overall cost for comparison	DYNAMIC	DYNAMIC
Repayment or Interest-Only?	DYNAMIC	DYNAMIC
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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.

Expat Buy to Let mortgages for product switch

Any questions?

Frequently asked questions

5.84% Expat (2.45% discounted rate from follow on rate) for 2 years (XD0239)

Some key features of this mortgage

Take the next step:

6.69% Expat 5 Year Fixed Rate to 30/11/2031 (XF1390)

Some key features of this mortgage

Take the next step:

6.84% Expat 2 Year Fixed Rate to 31/01/2029 (XF1413)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products