6.25% Expat Residential Two Year Fixed Rate
Interest Rates


Representing a Fixed Rate of 6.25% for the first 2 years, changing to our Residential Standard Variable Rate which is currently 8.74%

8.7% APRC 

(The overall cost for comparison)

Main Features 

Available for: Purchase and Remortgage

Min/Max Adv: £25,000/£1,500,000

Max Loan To Value: 75% (including arrangement fee).

Arrangement Fee: £999 (if the arrangement fee is added to the loan; the loan to value must not exceed the maximum permitted).

Valuation Fee: Payable on application. See Valuation Fee leaflet

Application Fee: £125

Early Repayment Charge (ERC): 3% of the current balance in the first year and 1% for the second year (ERC is waived if the customer returns to the UK and chooses a retention product).

Overpayments: 10% of the advance amount can be repaid per annum for the first two years without incurring a charge. A 3% charge is due on any amount repaid that exceeds 10% per annum for the first year and a 1% charge is due on any amount that exceeds 10% per annum the following year.

Restrictions: This mortgage can be repaid on a capital & interest basis, interest only or part & part basis. Interest only repayment has a maximum LTV of 75%.

Other Features: N/A

Please note that we will consider the following:

  • Guarantor mortgages (Max 75% LTV)
  • Self-employed applicants with only 1 year's accounts (Max 75% LTV)
  • Joint borrower, sole proprietor (up to product LTV limit)
Representative Example

A mortgage of £273,048.00 payable over 35 years initially on a fixed rate for 2 years at 6.25% and then on our current Standard Variable Rate at 8.74% (variable) for the remaining 33 years would require 24 monthly payments of £1,603.00 and 396 monthly payments of £2,072.00 plus one initial interest payment of £1,445.44.
The total amount payable would be £862,033.44 made up of the loan amount plus interest (£587,381.44) and Arrangement Fee (£999), Valuation Fee (£330), CHAPS Fee (£25), Application Fee (£125).and Discharge Fee (£125).
The overall cost for comparison is 8.7% APRC representative.

Additional Notes
  • This mortgage summary should be read in conjunction with the Terms and Conditions.
  • All Dudley Building Society mortgage products are subject to limited availability and may be withdrawn at the Society's discretion
  • Fees and rates may vary according to the individual case. Fees and rates will be confirmed upon application.