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Living abroad. UK home. No problem.

Expat Owner Occupier mortgages

See all of our expat Owner Occupier Interest-Only mortgage products available for purchase or remortgage.

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

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.

Product details should be read in conjunction with our 'Getting a Mortgage: what you need to know' guide and our lending criteria.

Sort:
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

3.56% 3 year discounted rate by 0.83% for Expats

3.56% 4.39% 4.3APRC
  • 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 - 0.83% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.46% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees 
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third 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
  • 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.

3.81% 3 year discounted rate by 0.58% for Expats

3.81% 4.39% 4.4APRC
  • Interest-Only
75% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance 
  • Discount - 0.58% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.71% 
  • Loan to Value - Maximum 75%.
  • Application fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees. 
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third 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.
  • 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.

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.