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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 £750,000. We have no maximum age, with most countries of residence accepted.

Expat Residential Capital and Interest

Expat 3.15% 2 Year Fixed Rate 80% LTV

About
Fees
Apply
  • FIXED RATE of 3.15% until 30/09/2023 then reverting to 3.50% (Ipswich SVR minus 1.74%) until 31/12/2026 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.4% APRC
  • For purchase and remortgage up to 80% LTV

15274, 72366

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 30/09/2023
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 2.95% 2 Year Discount Rate 80% LTV

About
Fees
Apply
  • STANDARD VARIABLE RATE currently 5.24% with a discount of 2.29% 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%)
  • 4.3% APRC
  • For purchase and remortgage up to 80% LTV

11142, 67192

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 Residential Interest Only

Expat 3.10% 2 Year Discount Rate IO 80% LTV

About
Fees
Apply
  • STANDARD VARIABLE RATE currently 5.24% with a discount of 2.14% 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%)
  • 4.6% APRC
  • For purchase and remortgage up to 80% LTV

11146, 67196

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 3.30% 2 Year Fixed Rate IO 80% LTV

About
Fees
Apply
  • FIXED RATE of 3.30% until 30/09/2023 then reverting to 3.50% (Ipswich SVR minus 1.74%) until 31/12/2026 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.7% APRC
  • For purchase and remortgage up to 80% LTV

15275, 72367

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 30/09/2023
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 Buy To Let

Expat Buy to Let 3.35% 2 Year Discount Rate 80% LTV

About
Fees
Apply
  • 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

About
Fees
Apply
  • 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.

 

 

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. We cannot accept self employment or contractors
  • Most countries of residence considered, except for those which are UN Sanctioned
  • Employed, pension and investment income considered when assessing affordability
  • New build houses accepted
  • Minimum income £40,000 (or equivalent)
  • We will accept applications where the deposit has been built up in a foreign currency

Expat residential

  • Up to 80% LTV with maximum £750,000 advance
  • For applicants paid in GBP and selected foreign currencies
  • For purchase or remortgage of a UK property

Expat Buy to Let

  • Up to 80% LTV with maximum £750,000 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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