Overseas mortgages

The Spanish Mortgage

UK mortgages

Calculators & tools

Mortgage calculators

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 or other loan secured on it

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.

Mortgage	Initial interest rate	Follow on rate	Overall cost for comparison	Loan to Value	Other information
2 Yr Fixed Rate Mortgage	6.75% fixed until 30/09/2010	7.19% variable	7.0% APR	Up to 75%	Arrangement fee 0.5% of loan amount Drawdown fee £30 Fixed rate renewal fee £999 Minimum loan £100,000 Early repayment charge of 3% until 30/09/2010
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2 Yr Fixed Rate Mortgage	6.95% fixed until 30/09/2010	7.19% variable	7.2% APR	Up to 80%	Arrangement fee 0.5% of loan amount Drawdown fee £30 Fixed rate renewal fee £999 Minimum loan £100,000 Early repayment charge of 3% until 30/09/2010
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3 Yr Fixed Rate Mortgage	6.75% fixed until 30/09/2011	7.19% variable	7.0% APR	Up to 75%	Arrangement fee 0.5% of loan amount Drawdown fee £30 Fixed rate renewal fee £999 Minimum loan £100,000 Early repayment charge of 3% until 30/09/2011
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3 Yr Fixed Rate Mortgage	6.95% fixed until 30/09/2011	7.19% variable	7.2% APR	Up to 80%	Arrangement fee 0.5% of loan amount Drawdown fee £30 Fixed rate renewal fee £999 Minimum loan £100,000 Early repayment charge of 3% until 30/09/2011
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3 Yr Base Rate Tracker	6.25% variable tracks BoE Base Rate +1.25%	7.19% variable	6.5% APR	Up to 80%	Arrangement fee 0.5% of loan amount Drawdown fee £30 Minimum loan £100,000 Early repayment charge applies of 3 months interest on capital amount repaid early during initial twelve months
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Maximum Loan to Value (LTV)

Capital repayment
80% on loans up to £1,000,000
75% on loans between £1,000,000 and £2,000,000
Loans over £2,000,000 by negotiation
Interest only
75% on loans up to £1,000,000
70% on loans between £1,000,000 and £2,000,000
Loans over £2,000,000 by negotiation

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.