Expat mortgage solutions

We have considerable experience in lending to expats and clients with income in a foreign currency. Here you will find a summary of our products for residential and buy to let cases.

We welcome purchase and remortgage applications and have a straightforward pricing structure that caters for both simple and complex cases. Our Specialist Lending Managers will help you find the right expat mortgage solution.

“Expat residential mortgages are inherently complicated, but MHBS were able to take a common sense approach which is very refreshing.”

Alex Weldon, Private Finance

Products

Purchase products for loans of £500k or less

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.74% 5.49% Up to £1.5m 0.75%
over £1.5m 0.5%
£95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 2.89% 5.49% As above £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 3.39% 5.49% As above £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 3.49% 5.49% Up to £1.5m 0.75%
over £1.5m 0.5%
£95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 3.64% 5.49% As above £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 4.14% 5.49% As above £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

Remortgage products for loans of £500k or less

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.49% 5.49% £995 £95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 2.64% 5.49% £995 £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 3.14% 5.49% £995 £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 3.24% 5.49% £995 £95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 3.39% 5.49% £995 £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 3.89% 5.49% £995 £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

Purchase and remortgage products for loans over £500k

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.24% 5.49% Purchase
Up to £1.5m 0.75%
over £1.5m 0.5%, Remortgage £995
£95 £500,001 £2m 10% 3% for three years Up to 75%*
2 year fixed rate 2.39% 5.49% As above £295 £500,001 £2m 10% 3% for two years Up to 75%*
5 year fixed rate 2.89% 5.49% As above £295 £500,001 £2m 5% 3% for four years, then 1% in the fifth year Up to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.99% 5.49% Purchase
Up to £1.5m 0.75%
over £1.5m 0.5%, Remortgage £995
£95 £500,001 £2m 10% 3% for three years Up to 75%*
2 year fixed rate 3.14% 5.49% As above £295 £500,001 £2m 10% 3% for two years Up to 75%*
5 year fixed rate 3.64% 5.49% As above £295 £500,001 £2m 5% 3% for four years, then 1% in the fifth year Up to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan sizeMax loan sizeOver paymentsERCLTV
3 year discounted rate3.24%5.49%Up to £1.5m 1%
over £1.5m 0.5%
£95£200k£800k10%3% for three yearsUp to 75%*
2 year fixed rate3.39%5.49%As above£295£200k£800k10%3% for two yearsUp to 75%*
5 year fixed rate3.89%5.49%As above£295£200k£800k5%3% for four years, then 1% in the fifth yearUp to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan sizeMax loan sizeOver paymentsERCLTV
3 year discounted rate 3.74%5.49%Up to £1.5m 1%
over £1.5m 0.5%
£95£200k£2m10%3% for three yearsUp to 75%*
2 year fixed rate 3.89%5.49%As above£295£200k£2m10%3% for two yearsUp to 75%*
5 year fixed rate 4.39%5.49%As above£295£200k£2m5%3% for four years, then 1% in the fifth yearUp to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

Residential

Purchase products for loans of £500k or less

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.74% 5.49% Up to £1.5m 0.75%
over £1.5m 0.5%
£95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 2.89% 5.49% As above £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 3.39% 5.49% As above £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 3.49% 5.49% Up to £1.5m 0.75%
over £1.5m 0.5%
£95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 3.64% 5.49% As above £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 4.14% 5.49% As above £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

Remortgage products for loans of £500k or less

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.49% 5.49% £995 £95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 2.64% 5.49% £995 £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 3.14% 5.49% £995 £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 3.24% 5.49% £995 £95 £200k £500k 10% 3% for three years Up to 75%*
2 year fixed rate 3.39% 5.49% £995 £295 £200k £500k 10% 3% for two years Up to 75%*
5 year fixed rate 3.89% 5.49% £995 £295 £200k £500k 5% 3% for four years, then 1% in the fifth year Up to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

Purchase and remortgage products for loans over £500k

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.24% 5.49% Purchase
Up to £1.5m 0.75%
over £1.5m 0.5%, Remortgage £995
£95 £500,001 £2m 10% 3% for three years Up to 75%*
2 year fixed rate 2.39% 5.49% As above £295 £500,001 £2m 10% 3% for two years Up to 75%*
5 year fixed rate 2.89% 5.49% As above £295 £500,001 £2m 5% 3% for four years, then 1% in the fifth year Up to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan size Max loan size Over payments ERC LTV
3 year discounted rate 2.99% 5.49% Purchase
Up to £1.5m 0.75%
over £1.5m 0.5%, Remortgage £995
£95 £500,001 £2m 10% 3% for three years Up to 75%*
2 year fixed rate 3.14% 5.49% As above £295 £500,001 £2m 10% 3% for two years Up to 75%*
5 year fixed rate 3.64% 5.49% As above £295 £500,001 £2m 5% 3% for four years, then 1% in the fifth year Up to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

Buy to let

To find out if your case qualifies for our simple or complex products, please check the ‘Which product is right for my client?’ section below.

Simple

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan sizeMax loan sizeOver paymentsERCLTV
3 year discounted rate3.24%5.49%Up to £1.5m 1%
over £1.5m 0.5%
£95£200k£800k10%3% for three yearsUp to 75%*
2 year fixed rate3.39%5.49%As above£295£200k£800k10%3% for two yearsUp to 75%*
5 year fixed rate3.89%5.49%As above£295£200k£800k5%3% for four years, then 1% in the fifth yearUp to 75%*

Complex

Product
details
Initial
rate
Follow on
rate
(variable)
Product
fee
Application
fee
Min loan sizeMax loan sizeOver paymentsERCLTV
3 year discounted rate 3.74%5.49%Up to £1.5m 1%
over £1.5m 0.5%
£95£200k£2m10%3% for three yearsUp to 75%*
2 year fixed rate 3.89%5.49%As above£295£200k£2m10%3% for two yearsUp to 75%*
5 year fixed rate 4.39%5.49%As above£295£200k£2m5%3% for four years, then 1% in the fifth yearUp to 75%*

*Some property types and loan sizes may be restricted to a lower LTV.

If your case is over £2m or doesn’t meet our simple or complex criteria,
please get in touch as we can provide bespoke solutions tailored to your clients’ circumstances.

Which product is right for my client?

To find out if your client qualifies for our simple or complex products, please check the criteria listed here

We’re always happy to chat through individual cases,
so if you have any questions or want to check if we can consider your case,
please give your nearest 
Specialist Lending Manager a call.

Experience our first-class service

Each case individually assessed

We manually underwrite with no income multiple limit or credit scoring

Easy-access support

Your Specialist Lending Manager is available over the phone or via Zoom to help with new cases and keep things running smoothly

Strong commitment

A firm decision for your case will be provided by our daily Credit Committee

Prompt checks

Our case managers will notify you if any information or documents are missing

Personal service throughout

Your named underwriter will provide case updates and will be happy to help with any queries

Don’t take our word for it

We’re delighted that almost all intermediaries who review us on feefo give us a five-star rating, the highest possible score.
Here are some the things they say about us:

If you’ve got an expat case, one of our Specialist Lending Managers can provide a quick overview of how we can help.

We’re here to help

We’re here to help if you have any questions and are happy to chat through individual cases. All you have to do is pick up the phone to one of our Specialist Lending Managers.

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