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)

Our expat mortgages are available on an Interest-Only basis

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 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

Our expat mortgages are available on an Interest-Only basis 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