Notices

Savings customers - the interest rates on many of our variable rate savings products will be decreasing from 6 January 2025. Find out more

We will be emailing or writing to you shortly to let you know of how these decreases affect you. In the meantime, you can see all of these changes here.
Mortgage customers - our Managed Mortgage Rate (MMR) will decrease by 0.25% from 20 January 2025. Find out more:

From 20 January 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. 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 be writing to existing customers who have been impacted by this change, shortly, with details relevant to them.
View our Christmas opening hours here. For information on bank transfer processing times over the Christmas period please click here.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.75% on 7 November 2024. Find out more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 December 2024. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 December 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.
(Notice updated 08/11)

Expat mortgages for UK homes

We accept mortgages for homes in England and Wales from expats in over 40 countries, including the USA, Hong Kong and Canada.

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

Are you a UK expat living abroad?

We have a range of expat Buy To Let mortgages available on an Interest-Only basis to suit your personal circumstances.

We also have a number of expat Owner Occupier mortgages available on an Interest-Only basis, applications can be made via an intermediary/broker.

We lend to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency.

We have a range of expat Buy to Let mortgages available on an Interest-Only basis for purchase or remortgage.

Find out details of how much we may be able to lend, for how long and the types of property we will lend on.

Savings - 03330 140141

Mortgages - 03330 140140

...or ask the way that suits you.

We can call you back at a time that suits you.

Ashley Square, Epsom, Surrey, KT18 5DD.

Your questions might be answered here.