Please note that applications from foreign national applicants may be declined where, in our reasonable opinion, there exists a significantly elevated risk of war or conflict associated with the applicant’s country of residence. QML reserves the right to assess such risks on a case-by-case basis as part of our underwriting procedures.
LTV Band
|
LTV Band |
Minimum gross loan |
Maximum gross loan |
Monthly Rate |
Arrangement Fee |
Proc Fee |
|
Standard |
|||||
|
<=65% Gross (inc interest) |
£50,000 |
£3,000,000 |
1.09% (fixed) |
2.25% |
2.00% |
|
>65% to 75% Gross (inc interest) |
£50,000 |
£3,000,000 |
1.15% (fixed) |
2.25% |
2.00% |
|
Low fee |
|||||
|
<=65% Gross (inc interest) |
£50,000 |
£3,000,000 |
1.09% (fixed) |
1.50% |
1.25% |
|
>65% to 75% Gross (inc interest) |
£50,000 |
£3,000,000 |
1.15% (fixed) |
1.50% |
1.25% |
Residential Investment Foreign Nationals & Ex-Pats Criteria
|
Term |
Minimum 3 months, maximum 24 months |
|
Repayment |
Interest retained |
|
Undervalue purchase |
Acceptable up to 90% of Purchase Price / 70% LTV |
|
Property Considered |
|
|
Lending Area |
England, Wales & Northern Ireland |
|
Available to: |
Foreign Nationals & Ex-Pats Applicants must have a minimum income of £35,000 GBP equivalent and reside in countries with a BASEL risk score of 6.0 or less. Please note that applications from foreign national applicants may be declined where, in our reasonable opinion, there exists a significantly elevated risk of war or conflict associated with the applicant’s country of residence. QML reserves the right to assess such risks on a case-by-case basis as part of our underwriting procedures. |
Please refer to the product guide for more information.
Product guide: 08/12/2025 V11