“Expat residential mortgages are inherently complicated, but MHBS were able to take a common sense approach which is very refreshing.”
Alex Weldon, Private Finance
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.
| 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% | 0.70% | £95 | £200k | £500k | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 4.34% | 5.49% | 0.70% | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.44% | 5.49% | 0.70% | £795 | £200k | £500k | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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% | 0.70% | £95 | £200k | £500k | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 5.09% | 5.49% | 0.70% | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 5.19% | 5.49% | 0.70% | £795 | £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.
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.
| 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 | 4.09% | 5.49% | £995 | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.19% | 5.49% | £995 | £795 | £200k | £500k | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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 | 4.84% | 5.49% | £995 | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.94% | 5.49% | £995 | £795 | £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.
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.
| 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 0.70% over £1.5m 0.45%, Remortgage £995 |
£95 | £500,001 | £2m | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 3.84% | 5.49% | As above | £795 | £500,001 | £2m | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 3.94% | 5.49% | As above | £795 | £500,001 | £2m | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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 0.70% over £1.5m 0.45%, Remortgage £995 |
£95 | £500,001 | £2m | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 4.59% | 5.49% | As above | £795 | £500,001 | £2m | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.69% | 5.49% | As above | £795 | £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.
| 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% | 0.95% | £95 | £200k | £800k | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 4.84% | 5.49% | 0.95% | £795 | £200k | £800k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.94% | 5.49% | 0.95% | £795 | £200k | £800k | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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 | 3.74% | 5.49% | Up to £1.5m 0.95% over £1.5m 0.45% | £95 | £200k | £2m | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 5.34% | 5.49% | As above | £795 | £200k | £2m | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 5.44% | 5.49% | As above | £795 | £200k | £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.
| 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% | 0.70% | £95 | £200k | £500k | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 4.34% | 5.49% | 0.70% | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.44% | 5.49% | 0.70% | £795 | £200k | £500k | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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% | 0.70% | £95 | £200k | £500k | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 5.09% | 5.49% | 0.70% | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 5.19% | 5.49% | 0.70% | £795 | £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.
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.
| 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 | 4.09% | 5.49% | £995 | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.19% | 5.49% | £995 | £795 | £200k | £500k | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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 | 4.84% | 5.49% | £995 | £795 | £200k | £500k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.94% | 5.49% | £995 | £795 | £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.
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.
| 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 0.70% over £1.5m 0.45%, Remortgage £995 |
£95 | £500,001 | £2m | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 3.84% | 5.49% | As above | £795 | £500,001 | £2m | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 3.94% | 5.49% | As above | £795 | £500,001 | £2m | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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 0.70% over £1.5m 0.45%, Remortgage £995 |
£95 | £500,001 | £2m | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 4.59% | 5.49% | As above | £795 | £500,001 | £2m | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.69% | 5.49% | As above | £795 | £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.
| 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% | 0.95% | £95 | £200k | £800k | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 4.84% | 5.49% | 0.95% | £795 | £200k | £800k | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 4.94% | 5.49% | 0.95% | £795 | £200k | £800k | 5% | 3% for four years, then 1% in the fifth year | Up to 75%* |
| 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 | 3.74% | 5.49% | Up to £1.5m 0.95% over £1.5m 0.45% | £95 | £200k | £2m | 10% | 3% for three years | Up to 75%* |
| 2 year fixed rate | 5.34% | 5.49% | As above | £795 | £200k | £2m | 10% | 3% for two years | Up to 75%* |
| 5 year fixed rate | 5.44% | 5.49% | As above | £795 | £200k | £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.
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.
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
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 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.