Expat Mortgage - Intermediary Page

Welcome to Skipton International

Providing UK Mortgages for British Expats.

See how much your client could borrow. 

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Expat Mortgages

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Skipton International Mortgage

Your client could save £1,000! We have reduced our Application Fee to for Remortgages

Why Skipton International? 

Skipton International is a bank licensed and regulated by the Guernsey Financial Services Commission and located in the island of Guernsey. It is a wholly owned subsidiary of Skipton Building Society, but operates independently. Skipton International is not licensed in the UK and hence cannot provide regulated mortgages, however, does offer Buy to Let mortgages in England and Wales for British Expatriate investors. Please note the content of Skipton International's website is solely the responsibility of Skipton International.

For mortgages Skipton International offers decisions in principle over the phone (please call Kate on 01481 732260), or please try our handy online mortgage calculator to find out how much your client could borrow and the products available.

We have a simple application process and offer prompt lending decisions, using instructing valuations within 3 days of receipt of a fully packaged application. Remortgages can take as little as 16 days from application to completion, although purchases tend to take a little longer.

We are known for excellent customer service, check out our Feefo reviews for yourself. Our team of highly experienced Underwriters pride themselves on providing an exceptional customer experience.

We welcome introductions from all brokers on a case by case basis. A Procuration Fee of is paid on mortgage completion.

For brokerage firms who submit a large number of mortgage applications, we would consider inviting them on to an exclusive panel where is paid.

Product Features

We offer a  and Click here to find out more.

Stress Rate: 125% at 6% or pay rate for 5 Year Fixed mortgages

Minimum income £40k pa (or £50k in currency equivalent) for employed persons* and pensioners.

Minimum income £60k pa (or £75k in currency equivalent) for the self employed.

Maximum LTV 75%

Loan Sizes: £100k - £1.5m (although if you have a client requiring more please give us a call to discuss)


* if employed by a well established, easily identifiable employer.

If your client can answer 'YES' to every question on page 2 of our Expat Mortgage Leaflet, we would be delighted to receive an application. Please check out our simple Step By Step Guide to applying for Expat Mortgages.

Skipton International prides itself on fast processing times and an understanding of the needs of British Expatriates. We offer a very personal service from experienced staff and would welcome the opportunity to speak with you. 

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