Ex-Pat Buy to Let mortgages are exempt from Financial Conduct Authority Rules.
Available for both individual landlords and limited companies with a maximum of three UK based Buy-to-Let mortgaged properties.
We are currently not accepting applications from ex-pats residing in Europe and Hong Kong.
Please note that desktop option is for remortgages only.
6.19% fixed
8.79% variable
8.5% APRC
75% including fees
None
£1,195
£95
Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
3% up to 31/05/2025
2% up to 31/05/2026
1% up to 31/05/2027
A mortgage of £196,195 payable over 25 years initially on a fixed rate of 6.19% fixed until 31/05/2027, then reverting to our Standard Variable Rate, currently 8.79% for the remaining period would require 36 payments of £1,012.04 followed by 264 monthly payments of £1,437.13.
The total amount payable would be £613,593.76 made up of the loan amount plus interest (£415,835.76), desktop valuation fee (£95), legal fees (£148), an exit fee (£100), a product fee (£1,195) and a funds transfer fee (£25).
The overall cost for comparison is 8.5% APRC representative.
There is no application fee.
Product fee £1,195. This may be added to the loan subject to the maximum LTV.
Valuation fees are payable on a set scale as detailed in the separate Fees Guide.
Solicitors fees are not based on a set scale and solicitors must be approved by Buckinghamshire Building Society.
Proc fees are 0.4% up to a maximum of £4,000.
Other charges may be made in respect of mortgage services. See our Fees Guide for details.
This product accepts our standard credit criteria click here for details.
Middle East
United Arab Emirates and Qatar
Americas
Bahamas, Barbados, Canada, Chile, Costa Rica, Uruguay and USA.
Asia
Bhutan, Japan, Malaysia, Singapore, South Korea and Taiwan.
Australasia
Australia and New Zealand.
Africa
Botswana, Mauritius, Namibia and Seychelles.
Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.
3% up to 31/05/2025
2% up to 31/05/2026
1% up to 31/05/2027
During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.
Once the early repayment charge period has ended overpayments can be made at any time.
If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.
Enter the client's details into the affordability calculator and assessment below.
ExPat BTL affordability calculator and assessment form
If your columns are red then please contact us as other product options may be available. Minimum income £25,000 (sterling equivalent).
This mortgage is available on a capital and interest repayment basis or interest only with a suitable repayment vehicle.
Payments must be made monthly by direct debit from a UK Bank account and paid to the Society in sterling only.
The minimum age is 21 for all applicants. There is no maximum age. Earned income considered up to age 75. Cases are considered on individual circumstances.
Minimum loan size £50,000.
Maximum loan size £500,000.
The maximum mortgage term is 40 years dependent on individual circumstances.
All BTL properties being mortgaged to the Society require an EPC rating of between A and E. The Society will not lend on properties with an EPC rating of F and G.
This product is not portable.
A desktop valuation figure is calculated using information from a variety of resources and databases. This figure is checked and endorsed by our panel of RICS surveyors. Due to the nature of this calculation, the valuation figure cannot be challenged.
If we are unable to complete a desktop valuation, then a standard valuation will be required. Our usual valuation fee will apply should a standard valuation be required following an unsuccessful desktop valuation attempt and the original desktop valuation fee will not be refunded.
Please click here to review the Desktop Valuation Form Checklist
The desktop valuation model will not be suitable for all properties and the exclusions are listed below:
properties with more than 5 bedrooms,
property value in excess of £1m
minimum estimated value below £100,000 outside the M25 and below £150,000 inside the M25
no online visibility and/or has not transacted within the last 5 years
properties accessed from a private road
inconsistent property attributes
flats or maisonettes
new build property (constructed in the last 24 months), self builds or properties under construction
HMO’s (including student lets) or multi-unit freehold blocks
shared ownership properties; properties being used as a holiday let or ex Local Authority properties
commercial properties or properties located above or directly adjacent to commercial properties
properties where the flying freehold is suspected to be greater than 20%
properties with more than 1 acre of land and/or subject to resale restrictions (age/occupancy)
Listed properties
holiday lets
properties of non-traditional construction
properties suspected to be in poor condition and/or subject to renovation/refurbishment
new build, self-build or properties under construction
properties with less than 85 years unexpired lease term
properties where the EPC rating is F or G
Interest is calculated daily on the balance outstanding and added to the account the following month.
Ex-Pat Buy to Let mortgages are exempt from Financial Conduct Authority Rules.
Available for both individual landlords and limited companies with a maximum of three UK based Buy-to-Let mortgaged properties.
We are currently not accepting applications from ex-pats residing in Europe and Hong Kong.
Please note that desktop option is for remortgages only.
6.19% fixed
8.79% variable
8.5% APRC
75% including fees
None
£1,195
£95
Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
3% up to 31/05/2025
2% up to 31/05/2026
1% up to 31/05/2027
A mortgage of £196,195 payable over 25 years initially on a fixed rate of 6.19% fixed until 31/05/2027, then reverting to our Standard Variable Rate, currently 8.79% for the remaining period would require 36 payments of £1,012.04 followed by 264 monthly payments of £1,437.13.
The total amount payable would be £613,593.76 made up of the loan amount plus interest (£415,835.76), desktop valuation fee (£95), legal fees (£148), an exit fee (£100), a product fee (£1,195) and a funds transfer fee (£25).
The overall cost for comparison is 8.5% APRC representative.
There is no application fee.
Product fee £1,195. This may be added to the loan subject to the maximum LTV.
Valuation fees are payable on a set scale as detailed in the separate Fees Guide.
Solicitors fees are not based on a set scale and solicitors must be approved by Buckinghamshire Building Society.
Proc fees are 0.4% up to a maximum of £4,000.
Other charges may be made in respect of mortgage services. See our Fees Guide for details.
This product accepts our standard credit criteria click here for details.
Middle East
United Arab Emirates and Qatar
Americas
Bahamas, Barbados, Canada, Chile, Costa Rica, Uruguay and USA.
Asia
Bhutan, Japan, Malaysia, Singapore, South Korea and Taiwan.
Australasia
Australia and New Zealand.
Africa
Botswana, Mauritius, Namibia and Seychelles.
Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.
3% up to 31/05/2025
2% up to 31/05/2026
1% up to 31/05/2027
During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.
Once the early repayment charge period has ended overpayments can be made at any time.
If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.
Enter the client's details into the affordability calculator and assessment below.
ExPat BTL affordability calculator and assessment form
If your columns are red then please contact us as other product options may be available. Minimum income £25,000 (sterling equivalent).
This mortgage is available on a capital and interest repayment basis or interest only with a suitable repayment vehicle.
Payments must be made monthly by direct debit from a UK Bank account and paid to the Society in sterling only.
The minimum age is 21 for all applicants. There is no maximum age. Earned income considered up to age 75. Cases are considered on individual circumstances.
Minimum loan size £50,000.
Maximum loan size £500,000.
The maximum mortgage term is 40 years dependent on individual circumstances.
All BTL properties being mortgaged to the Society require an EPC rating of between A and E. The Society will not lend on properties with an EPC rating of F and G.
This product is not portable.
A desktop valuation figure is calculated using information from a variety of resources and databases. This figure is checked and endorsed by our panel of RICS surveyors. Due to the nature of this calculation, the valuation figure cannot be challenged.
If we are unable to complete a desktop valuation, then a standard valuation will be required. Our usual valuation fee will apply should a standard valuation be required following an unsuccessful desktop valuation attempt and the original desktop valuation fee will not be refunded.
Please click here to review the Desktop Valuation Form Checklist
The desktop valuation model will not be suitable for all properties and the exclusions are listed below:
properties with more than 5 bedrooms,
property value in excess of £1m
minimum estimated value below £100,000 outside the M25 and below £150,000 inside the M25
no online visibility and/or has not transacted within the last 5 years
properties accessed from a private road
inconsistent property attributes
flats or maisonettes
new build property (constructed in the last 24 months), self builds or properties under construction
HMO’s (including student lets) or multi-unit freehold blocks
shared ownership properties; properties being used as a holiday let or ex Local Authority properties
commercial properties or properties located above or directly adjacent to commercial properties
properties where the flying freehold is suspected to be greater than 20%
properties with more than 1 acre of land and/or subject to resale restrictions (age/occupancy)
Listed properties
holiday lets
properties of non-traditional construction
properties suspected to be in poor condition and/or subject to renovation/refurbishment
new build, self-build or properties under construction
properties with less than 85 years unexpired lease term
properties where the EPC rating is F or G
Interest is calculated daily on the balance outstanding and added to the account the following month.