Notices

Savings customers: Your 2024 / 2025 Annual Interest Savings Summary are currently being processed and are due to be delivered by 30 April 2025.
Coming soon... our new and improved Online Service

We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.
Our new Online Service will have a modern design, improved navigation and many added benefits.
Find out more about the changes
Open a Windfall Bond account with us!

Our Windfall Bond savings account will earn you 3.50% annual interest (Gross AER).
Plus exclusive entry into a monthly free prize draw with prizes ranging between £100 and £50,000.
Click here to find out more and apply.
Important changes to our mortgage products - Find out more.

Mortgage products - On Wednesday 23 March, we made changes to our mortgage product range. These include rate adjustments across our fixed rate products, and an increase to our Owner Occupier Joint Borrower Sole Proprietor maximum LTV to up to 90% (with no additional security required) for loans up to £500,000.
Please note that our 1 Year Fixed Rate Bond (57) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.

5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits
5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)
5.44%	8.69%	8.3%APRC	Interest-Only	60%	£0~

Key things to bear in mind

Purpose - Expat applications for Product Switch and Further Advance
Loan to Value - 60%
Fixed Rate end date - 31/08/2027
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 31/08/2026, 1% until 31/08/2027
Maximum loan - No maximum
Minimum Loan - £2,000 for Further Advance. No minimum for product switches
Cost for comparison - 8.3% APRC.

Buy to Let calculator Email us Ask us to call back Summary & fees

More downloads & what you'll need to apply

Identification

Only applicable for Further Advance applications -

We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.

For Expat clients, we also require:

Certified copy of UK Passport
Certified Proof of address (Utility Bill, Bank Statement, Credit card Statement, Driving Licence)
A certified copy of any ID card for the applicant’s country of residence if one is issued, and a resident’s permit / Visa
Employers / Accountants reference to confirm physical home address.

Bank statements

Only applicable for Further Advance applications - Buy to Let applicants are normally required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.