No Fees Overseas
Get fee-free spending on your debit card in 200 countries worldwide.
International mortgage calculator
Use the international mortgage calculator to find out what your payments might be.
This product is designed for customers living in qualifying countries and is issued by Lloyds Bank Corporate Markets plc, a wholly-owned subsidiary of Lloyds Banking Group plc.
Current International buy-to-let mortgage products and interest rates
Rates as of 01 April 2026 - Apply before the 31 July 2026
Fixed mortgages
-
After expiry of the fixed term (31 July 2028) you'll pay interest at the International Buy to Let Standard Variable Rate, which at the moment is 7.34%. The International Buy-to-let Standard Variable rate is variable.
The APR* shown in the table is typical for a mortgage of £1,000,000 over 25 years on a Capital and Interest repayment basis.
Product
Interest rate
Followed by the International Buy-to-let Standard Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation
Arrangement fee
Product
2 Year Fixed 50% LTV
Interest rate
5.45%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
7.1%
Free valuation
No
Arrangement fee
£2,000
Product
2 Year Fixed 60% LTV
Interest rate
5.50%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
7.2%
Free valuation
No
Arrangement fee
£2,000
Product
2 Year Fixed 70% LTV
Interest rate
5.55%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
7.2%
Free valuation
No
Arrangement fee
£2,000
Early redemption/partial repayment penalty - 2 Year Fixed Mortgages
The charge is 1% of the outstanding principal per full or part year remaining. If you decide to repay early during the last year of your fixed rate period, the early repayment charge will be no more than 1.5% of the outstanding principal balance. Learn more about Early Repayments Charges and Overpayments on our Managing your mortgage payments page.
International Buy-to-let Homeowner Variable Rate
On maturity of your Fixed Rate or Tracker mortgage, your interest rate will switch to your International Buy-to-let Homeowner Variable Rate when your current term expires. The International Buy-to-let Homeowner Variable Rate could be higher or lower than the rate you have been paying and may vary over the remaining term of your mortgage.
*APR stands for Annual Percentage Rate.
LTV stands for Loan to Value.
-
After expiry of the fixed term (31 July 2031) you'll pay interest at the International Buy-to-let Standard Variable Rate, which at the moment is 7.34%. The International Buy-to-let Standard Variable Rate is variable.
The APR* shown in the table is typical for a mortgage of £1,000,000 over 25 years on a Capital and Interest repayment basis.
Product
Interest rate
Followed by the International Buy-to-let Standard Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation
Arrangement fee
Product
5 Year Fixed 50% LTV
Interest rate
5.26%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
6.6%
Free valuation
No
Arrangement fee
£2,000
Product
5 Year Fixed 60% LTV
Interest rate
5.51%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
6.7%
Free valuation
No
Arrangement fee
£2,000
Product
5 Year Fixed 70% LTV
Interest rate
5.76%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
6.8%
Free valuation
No
Arrangement fee
£2,000
Early redemption/partial repayment penalty - 5 Year Fixed Mortgages
The charge is 1% of the outstanding principal per full or part year remaining. If you decide to repay early during the last year of your fixed rate period, the early repayment charge will be no more than 1.5% of the outstanding principal balance. Learn more about Early Repayments Charges and Overpayments on our Managing your mortgage payments page.
International Buy-to-let Standard Variable Rate
On maturity of your Fixed Rate mortgage, your interest rate will switch to your International Buy-to-let Standard Variable Rate when your current term expires. The International Buy-to-let Standard Variable Rate could be higher or lower than the rate you have been paying and may vary over the remaining term of your mortgage.
*APR stands for Annual Percentage Rate.
LTV stands for Loan to Value.
Tracker mortgages
-
Interest rates are variable. With a tracker Mortgage, the interest rates will be linked to the Bank of England's Base Rate (the "Base Rate"). The rate is recalculated within 1 month following any changes in the Base Rate. After expiry of the term of the Tracker (31 July 2028) you'll pay interest at the Standard Variable Rate, which at the moment is 7.34%. The International Buy-to-let Standard Variable Rate is variable.
The APR* shown in the table is typical for a mortgage of £1,000,000 over 25 years on a Capital and Interest repayment basis. basis.
Product
Interest margin above base rate
Interest rate
Followed by the International Buy-to-let Standard Variable Rate
Overall cost for comparison, based on a capital and interest repayment basis
Free valuation
Arrangement fee
Product
2 Year Tracker 50% LTV
Interest margin above base rate
1.55%
Interest rate
5.30%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
7.1%
Free valuation
No
Arrangement fee
£2,000
Product
2 Year Tracker 60% LTV
Interest margin above base rate
1.60%
Interest rate
5.35%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
7.1%
Free valuation
No
Arrangement fee
£2,000
Product
2 Year Tracker 70% LTV
Interest margin above base rate
1.65%
Interest rate
5.40%
Followed by the International Buy-to-let Standard Variable Rate
7.34%
Overall cost for comparison, based on a capital and interest repayment basis
7.1%
Free valuation
No
Arrangement fee
£2,000
If your product tracks a rate, such as Bank of England base rate, and that rate falls below zero, we will not change your margin. However, if the combination of the tracked rate and the margin means that your interest rate does fall below zero, your interest rate will ‘instead’ be zero, until the combined rate goes above 0% again.
Tracker rates are reflective of 'Base Rates' being right as of 18 December 2025.
International Buy-to-let Standard Variable Rate
On maturity of your Fixed Rate or Tracker mortgage, your interest rate will switch to your International Buy-to-let Standard Variable Rate when your current term expires. The International Buy-to-let Standard Variable Rate could be higher or lower than the rate you have been paying and may vary over the remaining term of your mortgage.
*APR stands for Annual Percentage Rate.
LTV stands for Loan to Value.
If you’re worried about your upcoming mortgage rate changes, or have had a change in circumstances, our team can guide you through the process. We’ll help you find the best solution for your situation.
Calculator
Select your chosen interest rate from the products above and populate the fields below. You'll then see the estimated amount you could pay each month.
This calculator offers an indication of monthly repayments for a set term and interest rate and does not include any follow-on rate following the term end.
Enter borrowing details:
Repayment:
Monthly payment
##repmp##
Total amount payable
##reptotal##
Interest only:
Monthly payment
##ipm##
Total amount payable
##iotot##
You could lose your property if you don’t keep up your mortgage repayments.
Let’s look at the details
-
The International buy-to-let mortgage is offered to customers residing in the following qualifying countries:
Qualifying countries Australia
Bahrain
Bermuda
British Virgin Islands
Cayman Islands
Cyprus
Falklands
France
Germany
Gibraltar
Hong Kong
Italy
Oman
Qatar
Saudi Arabia
Spain
Switzerland
Thailand
United Arab Emirates
Customers can receive their income and have their affordability assessed in six different currencies only. These are GBP, USD, EURO, CHF, AUD, INR.
-
International Buy-to-let
If you borrow £1,000,000 over 25 years, your mortgage will start with a fixed interest rate of 5.51% for the first 5 years. During this time, your monthly payments will be £6,159.14. After that, the rate changes to our Buy-to-let Standard Variable Rate of 7.34% for the remaining 20 years, with monthly payments of £7,119.86.
In total, you’ll pay £2,080,314.80. This includes the loan amount, £1,078,314.80 in interest, and a £2,000 arrangement fee. The valuation fee is waived. The overall cost for comparison is 6.8% APRC.
What is a representative example?
This is an example of a typical capital and interest repayment mortgage and its total cost.
-
Redemption or partial repayment charges
A redemption or a partial repayment charge will be made if, during the period of the fixed-rate, you either repay the mortgage in full or make a part repayment.
Next steps
You may also like
Lloyds International conducts its business in line with local legal and regulatory requirements, including anti-money laundering laws. These laws may need Lloyds International to pass on information that would otherwise be confidential. Disclosure may happen if Lloyds International suspects that a customer is benefiting from or engaging in criminal activity, including tax fraud.
Lending is at Lloyds International’s discretion, and you must be 21 or over to apply. Security may be needed.
