UK Property Lending
The smart way to buy a UK investment property
The UK property market remains a global urban powerhouse, presenting opportunities for investors looking for buy-to-let properties. Our UK property loans allow you to enter into this exciting market.
View in your preferred currency:
Start building your international real estate portfolio today with a flexible, non-resident property loan.
£
200 000
Minimum loan
3 to 5 years
Loan term
1% of loan amount
Arrangement fee
GBP
Supported currencies
Benefits of a UK Property Loan
Flexible terms
Get an interest-only loan facility that offers the freedom of making ad hoc capital repayments
Maximise returns
The ideal way to finance and help build your international wealth as a non-resident investor
Minimal fuss
Consolidate all investment property income and charges in your primary Isle of Man account
Location
Select your UK investment property from across the region, both within and outside the capital
Investing in UK property
Investing in UK property? We have the solutions. WATCH how saving to invest in buy-to-let property in the United Kingdom might benefit you.
How it works
- Available in GBP for non-UK residents investing in UK property
- This international interest only mortgage is for residential buy-to-let properties generating rental income
- Maximum loan value is 65% of purchase price or professional valuation
- You are charged a variable interest rate linked to Bank of England base rate
- Debit interest is charged quarterly in arrears
- No penalty for ad hoc capital repayments (subject to criteria)
- Professional fees from bank-approved firms will be paid from your account
See UK Property Loan fact sheet
How to get it
- The property must be tenanted, with net rental income covering at least 125% of interest
- You will need to meet the minimum loan approval requirements
- A cash deposit equal to six months’ debit interest will be held by the bank
- A three-yearly property valuation must be done by a bank-approved surveyor
-
How it works
-
How to get it
- Available in GBP for non-UK residents investing in UK property
- This international interest only mortgage is for residential buy-to-let properties generating rental income
- Maximum loan value is 65% of purchase price or professional valuation
- You are charged a variable interest rate linked to Bank of England base rate
- Debit interest is charged quarterly in arrears
- No penalty for ad hoc capital repayments (subject to criteria)
- Professional fees from bank-approved firms will be paid from your account
See UK Property Loan fact sheet
- The property must be tenanted, with net rental income covering at least 125% of interest
- You will need to meet the minimum loan approval requirements
- A cash deposit equal to six months’ debit interest will be held by the bank
- A three-yearly property valuation must be done by a bank-approved surveyor
Frequently asked questions
Can non-UK residents buy property in the UK?
- Yes, non-residents can buy property in the United Kingdom.
How does a UK property loan work?
- Our personal UK property lending loans enable individuals who meet the minimum loan approval requirements to finance a maximum of up to 65% of the purchase price for a residential buy-to-let property.
- Our UK property lending loans are available for property investments starting at £200,000 for a maximum of 3-5 years.
How to obtain a buy-to-let property with an international loan
- Our personal UK property lending loans are designed to support non-residents who wish to invest in the UK buy-to-let property market.
- The property purchased must be tenanted and must yield a net rental income that covers a minimum of 125% of the loans’ interest value.
- Cash collateral equal to six months loan debit interest is required to be held by Standard Bank Group to secure the loan, for the full duration of the loan agreement.
How to apply for a UK property loan?
- For more information, South African applicants can email us at [email protected]
- All other applicants, outside of South Africa, can email [email protected]
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