Buy To Let Ex Pat 4.99% fixed for five years

This five year fixed Buy to Let Ex Pat mortgage allows investors to purchase or remortgage an investment property while living outside of the UK.

  • Affordability calculator Want to know if you can afford this mortgage?

    Gross annual income

    Mortgage details

    This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Our Ex Pat mortgage can offer a solution to help you purchase or remortgage an investment property while living outside of the United Kingdom.

rate i
SVR (standard variable rate) i Overall cost for comparison i Max %
4.99% 4.9% 5.2% APRC 70% Interest only
  • See example

    An example: A mortgage of £122,000 taken out for a period of 23 years on an interest only basis.

    Monthly instalments: £507.32 per month for 59 months, followed by £500.86 per month for 216 months.

    Total amount payable: £261,892.64

    Total amount of credit: £122,000

    The total amount payable includes administration fee £125, valuation fee £255, product fee £1,220, completion fee £75 and closing fee £100.

    The overall cost for comparison is 5.2% representative APRC.

    This example relates to the Buy To Let (Ex Pat) fixed for five years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

  • Availability - Purchase & Remortgage up to 70% Loan To Value (LTV). 
  • Flexibility - Overpayments up to 20% of the capital balance as at 1st January allowed in each calendar year without penalty.
  • Portable.

If you repay your mortgage early, or make an overpayment, you may have to pay an early repayment charge.

For full repayment, you will pay 3% of the outstanding balance in years 1, 2, 3 & 4; 2% in year 5, plus a Closing Administration Fee (currently £100).

For overpayments, you will pay 3% on any amount exceeding your 20% limit in year 1, 2, 3 & 4, 2% in year 5.

  • Product Fee 1% of advance (Minimum £999).
  • Administration Fee £125.
  • Valuation Fee (BTL scale).
  • Completion Fee £75.

Lending Criteria and Information


Applicants must have an existing UK mortgage.
Mortgage payments must be made from a UK bank account in Sterling.
The property is not to be occupied by the borrowers family.

Accepted Countries:

Austria, Belgium, Canada, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Hong Kong, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, United States, United Arab Emirates, UK Crown Dependencies.


Size: Minimum £100,000, Maximum £500,000.
Term: Minimum 5 years, Maximum 40 years.
Repayment Type: Interest Only and must be from sale of the property.


The property must be in England, Wales or mainland Scotland and be of standard construction. 


Age: Minimum 25, no maximum, subject to income in retirement.


Household income must be at least £30,000


The rental income must be received in Sterling and must equate to at least 145% of the mortgage payments using the product interest rate plus 2%          


We take a flexible approach to underwriting and will consider each case on its merits. We do not credit score. The actual rate and APRC for your case will depend on your circumstances and our assessment of the risk.

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