Expat buy-to-let mortgages for UK property, from anywhere in the world
A UK expat buy-to-let lets a British national living abroad borrow against a UK rental property. We work a whole-of-market panel of expat BTL lenders (Skipton International, HSBC Expat, Barclays Wealth, NatWest International, Vida, Kensington, Paragon, Precise). Personal-name or Ltd-company routes. Deposits from 25 percent. Named consultant, Ashley Morley, on every case. FCA reference 966902.
Typical scenario
Dubai-based British contractor, personal-name BTL on a £325,000 two-bed flat in Zone 3 London. Deposit £97,500 (30 percent), loan £227,500. Five-year fixed at 5.79 percent APR (indicative, LTV 70 percent, expat BTL panel). Rental cover 145 percent at stressed rate 8.50 percent. Arrangement fee £2,275 (1 percent). Valuation £450. Legals £1,400.
Rate bands, indicative
| LTV | Personal-name from | Ltd company (SPV) from | Arrangement fee |
|---|---|---|---|
| 60% | 5.29% APR | 5.49% APR | 1.00% |
| 65% | 5.49% APR | 5.79% APR | 1.00% |
| 70% | 5.79% APR | 6.09% APR | 1.00% to 1.50% |
| 75% | 6.09% APR | 6.39% APR | 1.50% to 2.00% |
Rates reviewed monthly. Actual rate depends on country of residence, income currency, credit profile, and product term. Country of residence is the single largest loading factor after LTV: UAE typically no loading, USA typically +0.25 percent, sanctions-listed jurisdictions declined.
What UK lenders want
- Passport plus visa or residency evidence in your country of residence.
- Three to six months of bank statements (local currency).
- Two years of tax returns, or employer letter plus payslips for salaried.
- Rental valuation supporting 145 percent cover at 8.50 percent stressed rate.
- HMRC NRL1 registration (Non-Resident Landlord scheme) for tax collection at source.