BTL Non – Resident UK Range - SBI UK

BTL Literature Inner Page Slide

•   2-Year and 5-Year Fixed Rates for both Standard and Specialist products

•   Lending available for HMO, MUFB, and Ex-Pat clients

•   Max LTV – 75% for SPV and 70% for HMOs.

•   SPV 2-Year Fixed: Rates reduced by 40bps across all LTVs; 2.00% arrangement fee remains.

•   SPV 5-Year Fixed: Green rate now 4.75%, Non-Green 4.85%; fees reduced to 1.50% (75% LTV), 1.25% (65% LTV); £4,000 flat fee option available.

•   Standard 5-Year Fixed: 30–35bps rate reduction across all LTVs.

•   2-Year Fixed HMO: 85–90bps rate cuts; new rates as low as 5.05% (Green); 2.00% arrangement fee unchanged.

•   5-Year Fixed HMO: Flat rates of 5.05% (Green) and 5.15% (Non-Green) across all LTVs; fees reduced to 1.50% (50% & 65% LTV), 2.00% (70% LTV).

•   MUFB properties now priced in line with HMO range.

•   No changes to Expat & NRI products, SVR (remains at 7%), or Retention Range (no upfront fees).

BTL Non – Resident UK Range heading

BTL Non–Resident/ Non-National UK Range

BTL Non – Resident UK Range new222

BTL Non–Resident

BTL Non–Resident

All applications are subject to status, underwriting and lending criteria (as of 18/11/2024, rates may be withdrawn at any time)
Non-Resident/Non-National - 5 Year Fixed Rate (fixed for 5 years) Remortgages - £300 Cashback and refund of valuation fee on completion
65%	SVR	Arrangement Fee	Early Repayment Charge 4% (Years 1 & 2), 3% (Years 3 & 4),2% (Year 5)
6.45%	7.00%	2.00%

Green Non-Resident/Non-National - 5 Year Fixed Rate (fixed for 5 years) Remortgages - £300 Cashback and refund of valuation fee on completion
65%	SVR	Arrangement Fee	Early Repayment Charge 4% (Years 1 & 2), 3% (Years 3 & 4),2% (Year 5)
6.35%	7.00%	2.00%

Non-Resident/Non-National - 2 Year Fixed Rate (fixed for 2 years) Remortgages - £300 Cashback and refund of valuation fee on completion
65%	SVR	Arrangement Fee	Early Repayment Charge 4% (Years 1 & 2), 3% (Years 3 & 4),2% (Year 5)
6.55%	7.00%	2.00%

Green Non-Resident/Non-National - 2 Year Fixed Rate (fixed for 2 years) Remortgages - £300 Cashback and refund of valuation fee on completion
65%	SVR	Arrangement Fee	Early Repayment Charge 4% (Years 1 & 2), 3% (Years 3 & 4),2% (Year 5)
6.45%	7.00%	2.00%

Products	Minimum Loan Amount
STD/SPEC	£50,000
HMO	£200,000
ExPAT	£200,000
Non Resi	£100,000

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