Notices
  • Homes for Ukraine - important information can be found here.

  • Rate changes following Bank of England decision to raise its Bank Rate to 1.25% on 16 June.

    Savings:
    the majority of our variable savings rates have been increased from 24 June. Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 July. (Updated 1 July.)

    Mortgages: our variable mortgage rates will increase and we are in the process of writing to affected customers with details of their revised payments, interest rate and effective date. Product rates now shown on the website reflect this increase. (Updated 1 July.)

Our expat mortgages are available on an Interest-Only basis for both Owner Occupier and Buy to Let applications

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

If you’re a UK citizen working abroad, or a foreign national living in the UK and paid in a foreign currency, we might be able to help you with an expat mortgage.

About our expat mortgage products

  • We offer Owner Occupier and Buy to Let expat mortgages for properties located in England or Wales

  • We accept applications from expats in over 40 countries, including United States, New Zealand and Hong Kong

  • We also lend to UK nationals aged over 18 working abroad, and whose families are remaining in the UK subject to certain conditions

  • If you live in the UK, but are paid in a foreign currency, your repayment vehicle must be from a Sterling denominated UK asset. All applicants must hold a UK bank account

Please refer to our lending criteria for more information.  


Product details

Product details should be read in conjunction with our lending criteria.

Our expat mortgages are available on an Interest-Only basis for both Owner Occupier and Buy to Let, subject to certain conditions.

For more information you can view our expat mortgage products here:


Please contact us to arrange an appointment if you are in a position to apply or require advice, or have any questions:

Ask us for a call back   Email us

Mortgage affordability calculator

Use our calculator to see how much money you may be able to borrow for a mortgage

Do you need our help?

To find out more about our expat mortgage options, or to check your eligibility, you can contact our friendly New Business Team.