Expat Buy To Let Mortgages

With lenders terms and criteria changing frequently please complete our online mortgage enquiry form. This will enable us to let you know which of the which of the current terms we can obtain for you. UK Bank base rate 0.5%, 3 month LIBOR 0.60%. Details of the current terms that we can arrange for buy to let mortgages.

 May 2017

Special schemes available to expat buyers and UK residents for UK buy to let property and in some cases, foreign nationals, for the purchase, or refinancing, of property, for family use, or commercial letting under the shorthold tenancy act.
  • Loan to value usually 70%/75% maximum.
  • New purchases and re-mortgages generally available including capital raising for additional property investment
  • Letting under Shorthold Tenancy Act required - 6 or 12 months. Generally no DSS or multiple tenancies. Ex local authority properties and student lets limited range of lenders.
  • Most lenders have imposed restrictions on newly built property
Lender Interest Rate % Max %
Lenders Arrangement
Fee /%
Loan to Foreign National Special Features
Ipswich Building Society 4.24%
2yr Discount
75% 1499   See details here
Ipswich Building Society 4.50%
to 31/01/2018
75% 1499   See details here
Small Regional Building Society 3,60%
5 Yr Fix
Minimum 200,000

70% LTV
Minimum 80,000



Employed applicants and UK passport holders only




 2 year tracker
Also Fixes

up to 60%
up to 75%
Interest Only
1% YES

Minimum loan £100,000. Will lend on new build flats maximum 55% repayment basis and 50% interest only.

  1. Interest only and repayment loans available.

  2. Ex Council and properties over commercial premises problematic. New build flats unacceptable, also flats in buildings more than 5 floors in height. Leases must have an unexpired term of 70 years on taking up the loan. New build houses acceptable. Rental income should cover the mortgage interest payment with a margin of 25%.

  3. Loans usually portable without incurring early repayment penalties.

  4. All fees quoted are payable to the lender and are usually added to the loan.

  5. International Mortgage Plans (IMP) charge an arrangement fee of 0.25% (minimum 695) payable on receipt of an acceptable mortgage offer.

Mortgage Enquiry Form      Back to IMP Homepage


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