Product Finder

Expat buy to let mortgages

All of our expat mortgages for are manually underwritten by underwriters with experience in complex cases.

  • UK nationals only
  • Must own a property in the UK
  • Max loan £3m
    • Minimum income £50,000
    • Minimum loan size £125,000
    • Applicants applying in their personal name
    • Payment by direct debit in £ from UK bank
    • Applicants must own a UK property
    • Repayment and interest-only options
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Discounted variable 2 4.29% 2%

Yes

01133 KEXP1704
N/A 75% Fixed 2 3.99% 2%

Yes

01134 KEXP1704
N/A 75% Fixed 3 4.19% 2%

Yes

01135 KEXP1704
N/A 75% Fixed 5 4.49% 2%

Yes

01136 KEXP17F5
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Discounted variable 4.29% 2 2%

Yes

01133 KEXP1704
N/A 75% Fixed 3.99% 2 2%

Yes

01134 KEXP1704
N/A 75% Fixed 4.19% 3 2%

Yes

01135 KEXP1704
N/A 75% Fixed 4.49% 5 2%

Yes

01136 KEXP17F5

Terms and conditions

All mortgage products are subject to availability of funds and can be withdrawn at any time.

At the end of any initial deal, the interest rate will revert to the standard variable rate. The standard 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.

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.

Buy to let loans are not regulated mortgages. Consumer buy to let mortgages are regulated by the Mortgage Credit Directive Order 2015.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

Click here to download the full mortgage Terms and Conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

    • Houses in multiple occupation (HMO)
    • Student lets
    • Limited Company/LLP can be considered
    • Multiple units on a single freehold
    • Repayment and interest-only options
    • Up to 75% LTV
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Discounted variable 2 4.29% 2%

Yes

01137 SEXP1704
N/A 75% Fixed 2 3.99% 2%

Yes

01138 SEXP1704
N/A 75% Fixed 3 4.19% 2%

Yes

01139 SEXP1704
N/A 75% Fixed 5 4.49% 2%

Yes

01140 SEXP17F5
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Discounted variable 4.29% 2 2%

Yes

01137 SEXP1704
N/A 75% Fixed 3.99% 2 2%

Yes

01138 SEXP1704
N/A 75% Fixed 4.19% 3 2%

Yes

01139 SEXP1704
N/A 75% Fixed 4.49% 5 2%

Yes

01140 SEXP17F5

Terms and conditions

All mortgage products are subject to availability of funds and can be withdrawn at any time.

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). Please note that applications will not be processed until this fee is received.

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

TLT will act for the bank for ex-pat limited company transactions.

At the end of any initial deal, the interest rate will revert to the standard variable rate.The standard variable rate can vary in line with the general level of interest rates and economic conditions.

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.

Buy to let loans are not regulated mortgages. Consumer buy to let mortgages are regulated by the Mortgage Credit Directive Order 2015.

For interest only or part repayment/part interest only, it's your client'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 25 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

Click here to download the full mortgage Terms and Conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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