Applicants must have a min income of £35,000 GBP equivalent & reside in countries with a BASEL risk score of 6.0 or less and are not on the HMT High Risk Third Country List (see detailed ex-pat & foreign national criteria below).
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.
Interest Rates
|
Rate Type |
Arrangement Fee |
Up to 55% LTV |
Up to 75% LTV |
Reversion Rate |
ERC |
|
2 Year Fixed |
2.25%* |
7.69% |
7.99% |
BOE + 5.5% |
2/1% |
|
5 Year Fixed |
2.25%* |
7.69% |
7.99% |
BOE + 5.5% |
5/4/3/2/1% |
|
5 Year Fixed Ltd Edition |
5.25%* |
7.39% |
7.39% |
BOE + 5.5% |
5/4/3/2/1% |
|
2 Year Discount Tracker |
3.00%* |
BOE + 2.99% |
BOE + 3.04% |
BOE + 5.5% |
1%/1% |
|
Lifetime Tracker |
2.80%* |
BOE + 4.25% |
BOE + 4.30% |
N/A |
None |
*A minimum product fee of £2300 is applicable on all Ex Pat and Foreign National loans under £100,000
Maximum Loan
| Ex-Pat & Foreign Nationals | Maximum Loan | Maximum Loan (by area) |
| 75% LTV | £750,000 | £1,000,000 within southern area postcodes |
Ex Pat & Foreign National Specific Criteria
| Minimum Loan | £25,001 |
| Minimum Property Value | £70,000 |
| Maximum Loan | £750,000 (£1,000,000 within southern area postcodes) |
| Landlord Experience | The applicant must have a UK bank account, property management and at least 1 existing BTL property, with a minimum of 1 yrs market experience for single unit and multi-unit properties, HMO and MUFB up to 6 units. Applicants applying for Specialist properties must own at least 2 Buy to Let properties, with a minimum of 2 yrs market experience for HMO and MUFB 12 units, flats above or adjacent to commercial premises, semi-commercial properties, deck access flats, studio flats < 30sqm. All applicants >85 at end of term. |
| Property Considered | HMO, MUFB, student lets up to 12 rooms/units Flats above or adjacent to commercial premises Flats above/adjacent to food outlets or alcohol sales max 70% LTV Flats with deck access Studio flats below 30 sqm Ex Local Authority developments with under 50% private ownership Semi commercial units (60% residential & 40% commercial use max & assessed on a standard AST of both commercial & residential rental income) Ex local authority flats over 5 floors up to a maximum of 12 Properties with Flying Freehold |
| Lending Area | England, Wales & Northern Ireland |
| Solicitor Information | All solicitors acting for Quantum Mortgages must meet the following criteria or be approved by the credit committee: Be authorised and regulated by the Solicitors Regulation Authority and registered with the Law Society Hold a relevant accreditation Have at least 3 partners in the practice Quantum Mortgages are partnered with Movin Legal (conveyancing comparison portal). Register here |
Southern area postcodes qualifying for larger loans; AL, BA, BH, BN, BR, BS, CB, CM, CO, CR, CT, DA, DT, E, EC, EN, GL, GU, HA, HP, IG, IP, KT, LU, ME, MK, N, NN, NW, OX, PO, RG, RH, RM, SE, SG, SL, SM, SN, SO, SP, SS, SW, TN, TW, UB, W, WD, WC.
Basel Index Global Ranking
Product guide v95 23/09/2026