UK Property Lending

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GBP

Start building your international real estate portfolio today with a flexible, non-resident property loan.

Check your eligiblity

Are you a Standard Bank Group client?

Yes

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Country of residence

Same as nationality

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Thank you for your interest in our Standard Bank International solutions

Unfortunately we can only offer personal banking to customers over the age of 18

Thank you for your interest in our Standard Bank International solutions

Due to your location, we are unable to offer you banking services at this time

Thank you for your interest in our Standard Bank International solutions

As you are not an existing client of the bank, we are unable to offer you lending facilities at this time

Thank you for your interest in our Standard Bank International solutions

You may be eligible to apply for a International lending facility

(Subject to the completion of a successfull application)

As an existing client of Standard Bank International, contact us to open an additional account for you

You may be eligible to apply for a International lending facility

(Subject to the completion of a successfull application)

Thank you for your interest in our Standard Bank International solutions

You may be eligible to apply for a International lending facility

(Subject to the completion of a successfull application)

Thank you for your interest in our Standard Bank International solutions

You may be eligible to apply for a International lending facility

(Subject to the completion of a successfull application)

Thank you for your interest in our Standard Bank International solutions

You are eligible to apply for a International lending facility

Some of our benefits

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-residents buying investment property in the UK
Loan is for residential buy-to-let properties generating rental income
Maximum loan value is 65% of purchase price or professional valuation
Variable interest rates linked to Bank of England base rate
Debit interest is charged quarterly in arrears
No penalty for ad hoc capital repayments
Professional fees from bank-approved firms will be paid from your account

See UK Property fact sheet

How to get it

The property must be tenanted, with net rental income covering at least 125% of interest
Meet the minimum loan approval requirements
Cash deposit equal to six months’ debit interest held by the bank
A three-yearly property valuation by a bank-approved surveyor

How it works
How to get it

Available in GBP for non-residents buying investment property in the UK
Loan is for residential buy-to-let properties generating rental income
Maximum loan value is 65% of purchase price or professional valuation
Variable interest rates linked to Bank of England base rate
Debit interest is charged quarterly in arrears
No penalty for ad hoc capital repayments
Professional fees from bank-approved firms will be paid from your account

See UK Property fact sheet

The property must be tenanted, with net rental income covering at least 125% of interest
Meet the minimum loan approval requirements
Cash deposit equal to six months’ debit interest held by the bank
A three-yearly property valuation 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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