Expat Mortgages

At Harpenden Building Society, we provide tailored expat mortgages for both residential properties and buy-to-let purchases. Our specialist approach gives brokers and clients confidence, with solutions designed around their individual circumstances.

View Products Countries Accepted

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE. IF YOU ARE A CONSUMER, RETURN TO OUR HOMEPAGE

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.

Submit a case

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)

Expat Criteria Card DIP Forms

Expat Residential

2 YEAR DISCOUNT

Current Pay Rate

4.99%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Expat BTL

2 YEAR DISCOUNT

Current Pay Rate

5.38%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Expat Residential

FIXED

Fixed until 31/01/2029

Current Pay Rate

6.29%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Expat Residential

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.44%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Expat BTL

FIXED

Fixed until 31/01/2029

Current Pay Rate

6.44%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1 / 2% Year 2

Submit

Expat BTL

FIXED

Fixed until 31/01/2032

Current Pay Rate

6.49%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

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.

Find Out More

Buy-to-Let Criteria Search

View the criteria required that landlords must satisfy to obtain buy‑to‑let mortgages with us.

Find Out More

Contact the Team

Our team is here when you need us. Ready with clear answers and practical support for every scenario.

Get In Touch

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