Buy to live in the UK

Finance for those living overseas

Your home may be repossessed if you do not keep up
repayments on a mortgage

If you are a UK expatriate working overseas or a foreign national working in the UK, then an offshore mortgage could be the ideal way to fund a property in the UK.

Why? First of all because your overseas status, most lenders will find it difficult to check your background and your income. However, at RBS International, we specialise in working with people like you to approve your loan as quickly as possible.

MortgageInitial interest rateFollow on rateOverall cost for comparisonLoan to ValueOther information
2 Year Base rate tracker3.14% variable
tracks BoE Base Rate +2.64% until 28/09/2012
4% variable3.2% APRup to 60% property value
  • Arrangement fee 0.75% of loan amount
  • Minimum loan £100,000
  • Drawdown fee £30
  • An early repayment charge of 3% until 28/09/2012 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal

2 Year Base rate tracker3.39% variable
tracks BoE Base Rate +2.89% until 28/09/2012
4% variable3.5% APRup to 80% property value
  • Arrangement fee 0.75% of loan amount
  • Minimum loan £100,000
  • An early repayment charge of 3% until 28/09/2012 or from three months after completion until the end of any tracker period, you can switch to a fixed rate and pay no early repayment charge, just pay the product fee for the new deal
  • Drawdown fee £30

2 Yr Fixed Rate Mortgage4.09% fixed
 until 28/09/2012
4% variable4.2% APRup to 60% property value
  • Arrangement fee 0.75% of loan amount
  • Early repayment charge (payable on capital sum repaid early) of 3% until 28/09/2012
  • Minimum loan £100,000
  • Fixed rate renewal fee £749
  • Drawdown fee £30

2 Yr Fixed Rate Mortgage4.34% fixed
 until 28/09/2012
4% variable4.5% APRup to 80% property value
  • Arrangement fee 0.75% of loan amount
  • Early repayment charge (payable on capital sum repaid early) of 3% until 28/09/2012
  • Minimum loan £100,000
  • Fixed rate renewal fee £749
  • Drawdown fee £30

5 Yr Fixed Rate Mortgage5.74% fixed
 until 30/09/2015
4% variable5.9% APRup to 80% property value
  • Arrangement fee 0.75% of loan amount
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 30/09/2011
    • 4% until 28/09/2012
    • 3% until 30/09/2015
  • Minimum loan £100,000
  • Fixed rate renewal fee £749
  • Drawdown fee £30


Fixed rate mortgages

Due to limited supply fixed rates are offered on a first come first served basis, therefore the Bank reserves the right to withdraw the rates offered above.

Mortgages are offered by The Royal Bank of Scotland plc (Isle of Man branch). These mortgages are available for United Kingdom properties in limited circumstances only and are not covered by the majority of rules and regulations made under the UK Financial Services and Markets Act 2000. This means that the protection of those rules and regulations and of the UK Financial Services Compensation Scheme will not be available to borrowers.

Please ensure you read the legal information which covers
your use of this website