Expat Buy-to-Let Mortgages

If you are thinking of moving overseas or already live abroad then we may be able to help you if you are looking to either let your property, or to buy a further one to rent out back home. We have years of experience in lending to people who have left the UK, once you are living abroad the application can take place.

Unlike many lenders, we do not place a restriction on countries but take the time to understand your circumstances, which means that we’ll consider any location around the world, including popular destinations such as Australia, New Zealand and the USA.

We don’t restrict you if you are a first-time buyer; our expat mortgages are available to first time buyers who are living overseas and wish to buy their first property in the UK and let it out.

Our experienced mortgage advisers can talk you through the lending options available. If you want to know more then please contact one of our team.

  • Specialists in expat Buy-to-Let mortgages
  • No UK mortgage history required.
  • No minimum income
  • No limits on borrowing with other lenders
  • Expert help from our friendly Mortgage Advisers
  • Available to first-time buyers who are living overseas and wish to buy their first property in the UK and let it out
  • Regulated Buy-to-Let accepted

Your property may be repossessed if you do not keep up repayments on your mortgage

Our expat-buy-to-let mortgages

Expat Buy-to-Let Five Year Fixed Rate Mortgage

  • Initial rate4.07% Fixed
  • then changing to our SVR, currently5.64%
  • The overall cost for comparison is5.4% APRC
  • Product periodFixed until 31/03/2024
  • Deposit required45%
  • Arrangement fee2.50% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £123,193 payable over 20 years, initially on a Fixed rate for 5 years 7 months at 4.07% and then on our current Standard Variable Rate Mortgage of 5.64% (variable) for the remaining 14 years 5 months, would require 67 monthly payments of £417.83 and 173 monthly payments of £579.01.

The total amount payable would be £251,355.22 made up of the loan amount plus interest (£128,197.51), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 5.4% APRC representative.

Expat Buy-to-Let Five Year Fixed Rate Mortgage

  • Initial rate4.57% Fixed
  • then changing to our SVR, currently5.64%
  • The overall cost for comparison is5.6% APRC
  • Product periodFixed until 31/03/2024
  • Deposit required25%
  • Arrangement fee2.50% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £123,193 payable over 20 years, initially on a Fixed rate for 5 years 7 months at 4.57% and then on our current Standard Variable Rate Mortgage of 5.64% (variable) for the remaining 14 years 5 months, would require 67 monthly payments of £469.16 and 173 monthly payments of £579.01.

The total amount payable would be £254,794.35 made up of the loan amount plus interest (£131,636.64), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 5.6% APRC representative.

Expat Buy-to-Let Three Year Discount Mortgage

  • Initial rate3.64% Variable
  • then changing to our SVR, currently5.64%
  • The overall cost for comparison is5.5% APRC
  • Product periodthree years
  • Deposit required45%
  • Arrangement fee2.50% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £123,193 payable over 20 years, initially on a Discounted rate for 3 years at 3.64% and then on our current Standard Variable Rate Mortgage of 5.64% (variable) for the remaining 17 years, would require 36 monthly payments of £373.68 and 204 monthly payments of £579.01.

The total amount payable would be £254,762.52 made up of the loan amount plus interest (£131,604.81), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 5.5% APRC representative.

Expat Buy-to-Let Three Year Discount Mortgage

  • Initial rate3.94% Variable
  • then changing to our SVR, currently5.64%
  • The overall cost for comparison is5.6% APRC
  • Product periodthree years
  • Deposit required25%
  • Arrangement fee2.50% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £123,193 payable over 20 years, initially on a Discounted rate for 3 years at 3.94% and then on our current Standard Variable Rate Mortgage of 5.64% (variable) for the remaining 17 years, would require 36 monthly payments of £404.48 and 204 monthly payments of £579.01.

The total amount payable would be £255,871.26 made up of the loan amount plus interest (£132,713.55), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 5.6% APRC representative.

Talk to us today

To arrange an appointment with one of our Mortgage Advisers call us free on:0800 072 1100or complete the form below:

Does at least one applicant have an income?


Do you have a deposit (or equity in property) of at least 5% of the property value?


Do you own your current residential property (with or without a mortgage)?


Do you have a deposit (or equity in property) of at least 20% of the property value?


Thank you for your enquiry.

A Mortgage Adviser will be in contact with you within 1 working day.

Ex-Pat Buy-To-Let.

Renting your home while you’re overseas

If you are thinking of moving overseas or already live abroad then we may be able to help you if you are looking to either let your property, or to buy a further one to rent out back home.

Find out more