Specialist solutions for expat property needs
We’re here to support UK property ambitions for your clients living and working overseas.
With over 40 countries on our approved list and no minimum or maximum time spent abroad, our expat mortgages are built to suit a wide range of circumstances. Available for residential, buy-to-let or limited company applications, our lending reflects the flexibility you’d expect from Harpenden Building Society.
Our experience, coupled with a deep understanding of working with brokers, allows us to deliver tailored solutions that meet individual client needs, even in more complex cases.
If you’re an intermediary or professional mortgage adviser, any eligible application you submit to us will be carefully reviewed by our specialist underwriters.
Key features of our Expat mortgages
- Available on a Residential, Buy-to-Let and Limited Company basis
- Maximum 75% LTV
- We accept selected foreign incomes for affordability (on interest-only applications only)
- Over 40 countries on the approved list
- No minimum or maximum time abroad
- Foreign nationals with permanent right to remain in the UK or spousal visa (with one applicant being a full UK passport holder)
Our Current Expat Mortgage Rates
2 YEAR DISCOUNT
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
2 YEAR DISCOUNT
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
FIXED
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
FIXED
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
FIXED
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
FIXED
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Please note: the above is for Intermediary use only – not for consumer distribution.
Key Resources for Intermediaries
Residential Criteria Search
Understand the key eligibility criteria applicants need to meet for residential mortgages with us.
Buy-to-Let Criteria Search
View the criteria required that landlords must satisfy to obtain buy‑to‑let mortgages with us.
Contact the Team
Our team is here when you need us. Ready with clear answers and practical support for every scenario.
Latest News
Industry
Harpenden launch Expat mortgages
FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.
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