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.

Our expat mortgage offering

We offer Buy to Let expat mortgages for properties located in England or Wales. Applications for Owner Occupier expat mortgages for properties located in England or Wales can be made via an intermediary/broker.

 

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 Buy to Let expat mortgages for properties located in England or Wales
  • Applications for Owner Occupier expat mortgages for properties located in England or Wales can be made via an intermediary/broker.
  • We accept applications from expats in over 40 countries, including the United States and Canada
  • We lend to UK nationals aged over 18 working abroad, and whose families are remaining in the UK subject to certain conditions
  • If you're a landlord, we have an expat offering for Limited Companies
  • 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

Our expat mortgages are available for Buy to Let, subject to certain conditions.

For more information click here. 

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

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

How much I can borrow

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.

Get in touch