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Gain a foothold in UK property

Demand for buy-to-let properties remains strong in one of the most desirable investment destinations.

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UK Property Lending

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

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
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?
We also offer
International bank accounts
International bank accounts

Open an international bank account today to support your global lifestyle and wealth management.

Serious about saving?
Serious about saving?

Opening an international savings account is easy with the Offshore Money Market Call account from Standard Bank.