This website uses cookies which are essential for it to function. Please accept or decline any non-essential cookies and see our Site Terms for full details and guidance.

Call: 01494 879500

Expat BTL Fixed Rate to 30/11/2027

Back
Find out more...
  • Summary Back Copy 2

    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.

    • Initial Rate, fixed to 30 November 2027

      5.99% fixed 

    • Followed by our Buy To Let Standard Variable Rate (BTL SVR) for the rest of the term

      8.59% variable

    • The overall cost for comparison is

      8.3% APRC

    • Maximum Loan to Value

      75% including fees

    • Application Fee

      None

    • Product Fee - may be added to the loan

      £1,195

    • Early Repayment Charge

      Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
      3% up to 30/11/2025
      2% up to 30/11/2026
      1%  up to 30/11/2027

  • Representative Example Back Copy 2

    A mortgage of £196,195 payable over 25 years on an interest-only basis, initially on a fixed rate of 5.99% fixed until 30/11/2027, then reverting to our Buy to Let Standard Variable Rate, currently 8.59% for the remaining period would require 36 payments of £979.34 followed by 264 monthly payments of £1,404.43.

    The total amount payable would be £604,028.76 made up of the loan amount plus interest (£406,025.76), valuation fee (£340), legal fees (£148), an exit fee (£100), a product fee (£1,195) and a funds transfer fee (£25).

    The overall cost for comparison is 8.3% APRC representative.

  • Further Information Back Copy 2

    Fees

    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.

    Acceptable Credit Criteria

    This product accepts our BTL standard credit criteria click here for details.

    Acceptable countries where applicants are residing in

    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 Charge (ERC)

    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 30/11/2025
    2% up to 30/11/2026
    1%  up to 30/11/2027

    Overpayments

    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.

    Affordability

    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).

    Repayment

    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.

    Age Limits

    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.

    Loan Size

    Minimum loan size £50,000.
    Maximum loan size £500,000.

    Mortgage Term

    The maximum mortgage term is 40 years dependent on individual circumstances.

    Energy Performance Certificate (EPC)

    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.

    Portability

    This product is not portable.

    Interest

    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.

    • Initial Rate, fixed to 30 November 2027

      5.99% fixed 

    • Followed by our Buy To Let Standard Variable Rate (BTL SVR) for the rest of the term

      8.59% variable

    • The overall cost for comparison is

      8.3% APRC

    • Maximum Loan to Value

      75% including fees

    • Application Fee

      None

    • Product Fee - may be added to the loan

      £1,195

    • Early Repayment Charge

      Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
      3% up to 30/11/2025
      2% up to 30/11/2026
      1%  up to 30/11/2027

  • A mortgage of £196,195 payable over 25 years on an interest-only basis, initially on a fixed rate of 5.99% fixed until 30/11/2027, then reverting to our Buy to Let Standard Variable Rate, currently 8.59% for the remaining period would require 36 payments of £979.34 followed by 264 monthly payments of £1,404.43.

    The total amount payable would be £604,028.76 made up of the loan amount plus interest (£406,025.76), valuation fee (£340), legal fees (£148), an exit fee (£100), a product fee (£1,195) and a funds transfer fee (£25).

    The overall cost for comparison is 8.3% APRC representative.

  • Fees

    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.

    Acceptable Credit Criteria

    This product accepts our BTL standard credit criteria click here for details.

    Acceptable countries where applicants are residing in

    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 Charge (ERC)

    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 30/11/2025
    2% up to 30/11/2026
    1%  up to 30/11/2027

    Overpayments

    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.

    Affordability

    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).

    Repayment

    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.

    Age Limits

    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.

    Loan Size

    Minimum loan size £50,000.
    Maximum loan size £500,000.

    Mortgage Term

    The maximum mortgage term is 40 years dependent on individual circumstances.

    Energy Performance Certificate (EPC)

    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.

    Portability

    This product is not portable.

    Interest

    Interest is calculated daily on the balance outstanding and added to the account the following month.