Together has scrapped its 1.5% loading fee on buy-to-let and commercial term loans for expats and foreign nationals.  

The specialist lender says BTL variable rate loans start from 8.54%, while commercial term offers begin at 8.44% — with a 7% fee. 

The firm adds that the move is a “response to rising demand and a surge in foreign-owned buy-to-let companies”. 

Foreign-owned BTL firms made up 20% of incorporations between January and August 2025, up from 13% in 2016, according to data from property agent Hamptons last week. 

Together chief commercial officer Ryan Etchells says: “Data shows growing international confidence in UK real estate, despite economic turbulence and constant regulatory changes, and Together is dedicated to encouraging this.” 

“Foreign capital plays a vital role in easing pressure on the private rental sector, especially at a time when domestic investment is constrained and the UK continues to fall short of its annual homebuilding targets.” 

“Traditionally, London has been the key location for overseas investment, but recent years have seen rapid growth across the UK. Foreign ownership has more than doubled since 2016 in areas such as the East and West Midlands and Scotland.” 

Last week, Together released data that said it lends an average of £1.38m per month to foreign investors, with an average loan size of £139,032.