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Expat Mortgages

If you have UK national clients living and working abroad looking to purchase or remortgage a UK property, speak to us.

We can help expats with residential and buy to let mortgages, borrowing up to £500,000. We have no maximum age and will consider self employed applicants, with most countries of residence accepted.

Please note - with an expat purchase the deposit must be built up and held in a UK bank account for a reasonable period of time (usually at least 6 months). Evidence of this will be required on application.

Expat Residential

Expat 2.80% 2 Year Discount Rate 80% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.94% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

11095, 67136

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 Based on property valuation - £35 £500k
  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 2 years from date of completion
  • Overpayment of 50% or above - early repayment charge is 1% of the overpayment
  • Redemption - early repayment charge is 1% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage):

A mortgage of £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.94% for 24 months, giving a current rate payable of 2.80%, then on our Standard Variable Rate for the remainder of the term would require 24 monthly payments of £532.63 followed by 396 monthly payments of £775.17. The total amount payable would be £321,039.44 made up of the loan amount plus interest (£177,250.44), an application fee of £199, a completion fee of £800, a valuation fee of £160, a mortgage discharge fee of £95 and a mortgage funds release fee of £35.

The overall cost for comparison is 5.5% APRC representative.

[This example is based on assumptions that the loan would start from 15 July 2019]

Expat 3.10% 2 Year Fixed Rate 80% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.10% until 31 December 2021 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

15179, 72255

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 Based on property valuation - £35 £500k
  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 31 December 2021
  • Overpayment of 50% or above - early repayment charge is 3% of the overpayment
  • Redemption - early repayment charge is 3% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage):

A mortgage of £189,000.00 payable over 25 years initially on a fixed rate of 3.10% until 31/12/2021 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £910.12, followed by 273 monthly payments of £1,170.03. The total amount payable would be £344,465.43 made up of the loan amount plus interest (£154,156.43), an application fee of £199, a completion fee of £800, a valuation fee of £180, a mortgage discharge fee of £95 and a mortgage funds release fee of £35.

The overall cost for comparison is 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2019]

 

 

 

Expat 3.34% 5 Year Fixed Rate 80% LTV

About
Fees
Apply
Representative Example
  • FIXED RATE of 3.34% until 31 December 2024 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.9% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

15187, 72226

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 Based on property valuation - £35 £500k
  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 31 December 2024
  • Overpayment of 50% or above - early repayment charge is 5% of the overpayment
  • Redemption - early repayment charge is 5% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage):

A mortgage of £189,000.00 payable over 25 years initially on a fixed rate of 3.34% until 31/12/2024 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 63 monthly payments of £934.15, followed by 237 monthly payments of £1,143.77. The total amount payable would be £330,398.94 made up of the loan amount plus interest (£140,089.94), an application fee of £199, a completion fee of £800, a valuation fee of £180, a mortgage discharge fee of £95 and a mortgage funds release fee of £35.

The overall cost for comparison is 4.9% APRC representative.

[This representative example is based on assumptions that the loan would start from 25 September 2019]

 

 

 

 

Expat Buy to Let

Expat Buy to Let 3.00% 2 Year Discount Rate 75% LTV

About
Fees
Apply
Representative Example
  • VARIABLE RATE currently 5.74% with a discount of 2.74% until 2 years from completion date then changing to Ipswich Standard Variable Rate
  • 5.5% APRC
  • Available for direct applicants in England and Wales, selected intermediaries nationally and intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

24045, 24046, 24047, 24048

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£999 £199 Based on property valuation - £35 £500k
  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 2 years from date of completion
  • Overpayment of 50% or above - early repayment charge is 1% of the overpayment
  • Redemption - early repayment charge is 1% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage):

A mortgage of £266,250.00 payable over 25 years initially on our Standard Variable Rate currently at 5.74% with a discount of 2.74% for 24 months, giving a current rate payable of 3.00%, then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 24 monthly payments of £1,262.59 followed by 276 monthly payments of £1,643.31. The total amount payable would be £485,453.72 made up of the loan amount plus interest (£217,605.72), an application fee of £199, a completion fee of £999, a valuation fee of £270, a mortgage discharge fee of £95 and a mortgage funds release fee of £35.

The overall cost for comparison is 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 24 July 2019]

 

Expat Buy to Let 3.35% 2 Year Fixed Rate 75% LTV

About
Fees
Apply
Representative Example
  • FXED RATE of 3.35% until 31 December 2021 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 5.4% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Selected partners include: Sesame (AR), PTFS (AR), Mortgage Intelligence (AR), Mortgage Next (AR), Life & Easy (AR), Intrinsic (AR), L&G Nouveau Members, L&G Nouveau2 Members, L&G (Selected Partners), SimplyBiz Mortgage.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

29164, 29165

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£999 £199 Based on property valuation - £35 £500k
  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 31 December 2021
  • Overpayment of 50% or above - early repayment charge is 3% of the overpayment
  • Redemption - early repayment charge is 3% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage):

A mortgage of £300,000.00 payable over 25 years initially on a fixed rate of 3.35% until 31/12/2021 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £1,482.94, followed by 273 monthly payments of £1,859.31. The total amount payable would be £548,195.01 made up of the loan amount plus interest (£246,597.01), an application fee of £199, a completion fee of £999, a valuation fee of £270, a mortgage discharge fee of £95 and a mortgage funds release fee of £35.

The overall cost for comparison is 5.4% APRC representative.

[This representative example is based on assumptions that the loan would start from 24 September 2019]

 

 

 

Expat Buy to Let 3.50% 5 Year Fixed Rate 75% LTV

About
Fees
Apply
Representative Example
  • FXED RATE of 3.50% until 31 December 2024 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.9% APRC
  • Available for direct applicants in England and Wales
  • Products are available to direct applicants in England and Wales, Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire.
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

29162, 29163

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£999 £199 Based on property valuation - £35 £500k
  • No charge for overpayments of up to 50% of original loan amount
  • Early repayment charge period ends 31 December 2024
  • Overpayment of 50% or above - early repayment charge is 5% of the overpayment
  • Redemption - early repayment charge is 5% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage):

A mortgage of £300,000.00 payable over 25 years initially on a fixed rate of 3.50% until 31/12/2024 and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 63 monthly payments of £1,507.05, followed by 237 monthly payments of £1,819.47. The total amount payable would be £526,722.54 made up of the loan amount plus interest (£225,124.54), an application fee of £199, a completion fee of £999, a valuation fee of £270, a mortgage discharge fee of £95 and a mortgage funds release fee of £35.

The overall cost for comparison is 4.9% APRC representative.

[This representative example is based on assumptions that the loan would start from 24 September 2019]

 

 

 

Key features of our expat mortgages

  • All deals feature fee free overpayments up to 50% of original loan amount
  • No maximum age limit
  • Applicants must be employed by recognised international employer (large multinational firm) - for residential applications the firm must have a UK presence
  • Self employed applicants considered on a case by case basis - give us a call on 0330 123 1073
  • Most countries of residence considered, except for those which are UN Sanctioned
  • Employed, self employed, pension and investment income considered when assessing affordability
  • New build houses accepted

Expat residential

  • Up to 80% LTV with maximum £500,000 advance
  • For applicants paid in GBP and selected foreign currencies
  • For purchase or remortgage of a UK property

Expat Buy to Let

  • Up to 75% LTV with maximum £500,000 advance
  • For applicants paid in any currency
  • Top slicing available on discount rate products for applicants not meeting rental cover requirements (GBP income only)
  • Transitional cases calculated at 125% rental cover
  • Non owner occupiers considered
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