Buy to live in the UK

Finance for those living overseas

YOUR HOME MAY BE REPOSSESSED IF YOU DO
NOT KEEP UP REPAYMENTS ON YOUR 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 Tracker3.04% variable
tracks BoE Base Rate +2.54% until 31/01/2014
4.00% variable4.1% APRup to 70% property value
  • Minimum arrangement fee £1,000
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £500,000
  • 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.
  • Arrangement fee of 0.75% of the loan amount applies, subject to minimum fee shown.
  • Capital & Interest repayment only

2 Year Base Rate Tracker3.19% variable
tracks BoE Base Rate +2.69% until 31/01/2014
4.00% variable4.1% APRup to 70% property value
  • Minimum arrangement fee £1,000
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £100,000
  • Drawdown fee £30.
  • 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.
  • Arrangement fee of 0.75% of the loan amount applies, subject to minimum fee shown.

2 Year Base Rate Tracker3.89% variable
tracks BoE Base Rate +3.39% until 31/01/2014
4.00% variable4.1% APRup to 80% property value
  • Minimum arrangement fee £1,000
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £100,000
  • 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.
  • Arrangement fee of 0.75% of the loan amount applies, subject to minimum fee shown.
  • Drawdown fee £30.

2 Year Fixed Rate Mortgage4.19% fixed
 until 31/01/2014
4.00% variable4.3% APRup to 70% property value
  • Minimum arrangement fee £1,000
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £100,000
  • Arrangment fee of 0.75% of the loan amount applies, subject to minimum fee shown.
  • 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.
  • Drawdown fee £30.

2 Year Fixed Rate Mortgage4.84% fixed
 until 31/01/2014
4.00% variable5% APRup to 80% property value
  • Minimum arrangement fee £1,000
  • Early repayment charge (payable on capital sum repaid early) of 3% until 31/01/2014
  • Minimum loan £100,000
  • Arrangement fee of 0.75% of the loan amount applies, subject to minimum fee shown.
  • 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.
  • Drawdown fee £30.

5 Year Fixed Rate Mortgage5.48% fixed
 until 31/01/2017
4.00% variable5.7% APRup to 70% property value
  • Minimum arrangement fee £1,000
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 31/01/2013
    • 4% until 31/01/2014
    • 3% until 31/01/2017
  • Minimum loan £100,000
  • Arrangement fee of 0.75% of the loan amount applies, subject to minimum fee shown.
  • 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.
  • Drawdown fee £30.

5 Year Fixed Rate Mortgage6.14% fixed
 until 31/01/2017
4.00% variable6.3% APRup to 80% property value
  • Minimum arrangement fee £1,000
  • Early repayment charge (payable on capital sum repaid early):
    • 5% until 31/01/2013
    • 4% until 31/01/2014
    • 3% until 31/01/2017
  • Minimum loan £100,000
  • Arrangement fee of 0.75% of the loan amount applies, subject to minimum fee shown.
  • 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.
  • 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