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Ex-pat Standard Buy to Let Further Advance mortgages from Kent Reliance offer your private and professional landlord clients the opportunity to borrow more against their existing mortgage. Loans are available with 75% LTV, with terms of up to 5 years for our fixed Ex-pat Standard Buy to Let Further Advance mortgage products.

Is your client a portfolio landlord?

You will need to use our Buy to Let Hub. Find out more.

How to apply

Please click here for information on how to apply for Further Advances.

Product detail

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
75% Discounted Variable9 2 4.29% 1.00% 3% in years one and two 01149 KFAE1704
75% Fixed 2 3.99% 1.00% 3% in years one and two 01150 KFAE1704
75% Fixed 3 4.19% 1.00% 3% in years one, two and three 01151 KFAE1704
75% Fixed 5 4.49% 1.00% 5% in year one, 4% in year two and 3% in years three, four and five 01152 KFAE17F5


Ex-pat Standard Single family dwellings. 
The Buy to let standard variable rate (the revert rate) is 6.83%.

Application fee £130 payable at time of application. This is to cover assessing and processing the application (even if the application is unsuccessful or is withdrawn). CHAPS fee £30 payable at time of application. Please note that applications will not be processed until this fee is received.

All our products are subject to availability and may be withdrawn at any time.

ERCs may be incurred for full redemption or repayment of capital.

The figures in these illustrations only relate to the additional borrowing amount. 

Download Further Advance guide

Product terms and conditions

  • These products are available on repayment or interest-only terms.
  • At the end of any initial deal, the interest rate will revert to the BTL standard variable rate.
  • The BTL variable rate can vary in line with the general level of interest rates and economic conditions.
  • If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable.
  • Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge. 
  • A list of our fees and charges accompanies all Offer Letters.
  • Maximum loan is £1,000,000.
  • Minimum loan is £15,000.
  • The term of any additional borrowing must not exceed the term of the existing mortgage. 
  • Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.
  • These mortgage products are not portable.
  • All mortgage products are subject to availability of funds and can be withdrawn at any time.
  • Buy to let loans are not regulated mortgages.
For interest-only or part repayment/part interest-only, it is the borrower's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan. 

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. 

Written quotations available on request. For customer service and training purposes, calls with Kent Reliance may be monitored and/or recorded.


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£1,700 Clear all

Calculated at 5% interest rate

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