Expat Mortgages
We have temporarily restricted our lending criteria, for the latest updates and essential information during the COVID-19 pandemic read our FAQs.
Important information: your case and the stamp duty holiday
Ahead of the extended stamp duty holiday deadline on 30 June please be aware we cannot guarantee your client that their mortgage will complete in time to be eligible. This particularly applies for purchase applications and any remortgages where additional borrowing for any onward purchase is required. You must ensure your client is aware of this.
For information about the stamp duty holiday and rates which will apply from 1 July please click here to visit gov.uk.
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 £750,000. We have no maximum age, with most countries of residence accepted.
Expat Residential
Expat 2.75% 2 Year Fixed Rate 80% LTV
- FIXED RATE of 2.75% until 30/06/2023, reverting to 3.50% (Ipswich SVR minus 1.74%) until 30/09/2026 then changing to Ipswich Standard Variable Rate (currently 5.24%)
- 4.3% APRC
- For purchase and remortgage up to 80% LTV
15263, 72355
| 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 | £750k |
No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30/06/2023
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.
Expat 3.00% 5 Year Fixed Rate 80% LTV
- FIXED RATE of 3.00% until 5 years from completion then changing to Ipswich Standard Variable Rate (currently 5.24%)
- 4.3% APRC
- For purchase and remortgage up to 80% LTV
15230, 72322
| 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 | £750k |
No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 5 years from completion date
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.
Expat 2.50% 2 Year Discount Rate 80% LTV
- STANDARD VARIABLE RATE currently 5.24% with a discount of 2.74% until 2 years from completion date, then reverting to 3.50% (Ipswich SVR minus 1.74%) for 36 months then changing to Ipswich Standard Variable Rate (currently 5.24%)
- 4.2% APRC
- For purchase and remortgage up to 80% LTV
11135, 67185
| 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 | £750k |
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.
Expat Buy To Let
Expat Buy to Let 3.35% 2 Year Discount Rate 80% LTV
- STANDARD VARIABLE RATE currently 5.24% with a discount of 1.89% until 2 years from completion date then changing to Ipswich Standard Variable Rate (currently 5.24%)
- 5.1% APRC
- For purchase and remortgage up to 80% LTV
24087, 24088 (tsl 24089, 24090)
| 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 | £750k |
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.
Expat Buy to Let 4.35% 5 Year Fixed Rate 80% LTV
- FIXED RATE of 4.35% until 5 years from completion then changing to Ipswich Standard Variable Rate (currently 5.24%)
- 5.1% APRC
- For purchase and remortgage up to 80% LTV
29264,29265
| 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 | £35 | £750K |
No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 5 years from date of completion
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.
