Return of the Ex-Pat

Great news! We have re-opened our Ex-Pat BTL mortgage to new customers!

Our Ex-Pat Buy to let variable mortgage is available for clients looking to finance a property to let or remortgage a let property, who are British nationals, not currently residing in the UK or any country in the EEA.

The properties must be located in England or Wales. (See product details here for further details.)

  • Available for existing Expat borrowers who are selling an existing let property and purchasing a new property to let, subject to product terms.

  • Existing borrowers pay no application fee

  • Income earned in one of our selected foreign currencies* can also be considered where the rental income is insufficient (top-slice)

  • Overpayments permitted

  • Not available if you are living in an EEA country

  • Max 75% LTV and 60% LTV in certain London postcodes


  • We underwrite all cases on an individual basis and do not credit score

  • We are known for, and award-winners for, providing an excellent service through a tailored and individual approach

  • Our dedicated Intermediary team provide a helpdesk service with email, phone and instant chat to support you

  • You can speak to a decision maker

  • We have a wide range of products to suit your client's needs

If you'd like to talk through any of your cases, call us on 01635 918000 or email or if you would like a follow-up call or meeting with one of our dedicated BDM's please contact us and we can arrange this.


* We can consider applications where income and /or the asset to repay the loan is in the following currencies:Euros (EUR), US Dollars (USD), Canadian Dollars (CAD), Hong Kong Dollars (HKD), Australian Dollars (AUD), Swiss Francs (CHF), Singapore Dollars (SGD), Qatari Riyals (QAR), Saudi Riyals (SAR).

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01635 555700

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