Buy-to-let mortgages

Your buy-to-let options

We can help you take the next step to becoming a landlord with our range of buy-to-let mortgages and remortgaging options. We know that mortgage negotiations can be a minefield so we're proud of our personal service, and with one dedicated point of contact we've got your back.

Our current buy-to-let mortgage rates

Download our PDF of rates to read when you like - they contain all the ins and outs of our buy-to-let mortgages.

Buy-to-let mortgage details - New Customers (PDF)(125KB)

Buy-to-let mortgage details - Existing Customers (PDF)(89KB)

Buy-to-let requirements - PRA (PDF)(71KB)

Buy-to-let business plan - PRA (PDF)(70KB)

Service that’s personal

Our consultants are available 7 days a week, 362 days a year. And you’ll have one point of contact through the whole process.

Find the right mortgage

Pick from our wide range of buy-to-let mortgages. Pay back up to 10% every year with no charges.

Save on remortgaging

We can help you remortgage too. Choose from a range of cost-effective packages that can include free valuations and legal assistance.

Speak to us about your mortgage

Already have a mortgage with us?

Do you need some help with your mortgage? Our friendly team can help you to:

Check your balance.
Update your personal details.
Change your payment date.
Make an overpayment.
Ask for a redemption statement.

Email us Call back for existing customers

Need a new mortgage, or want to borrow more?

Whether you’re a new or existing customer, we can help you find the right mortgage for you. Get in touch today on 0203 427 1435.

Our expert mortgage consultants are available from Monday to Friday, 9am-5:30pm.

If you just want to change from one deal to another, you can switch mortgages online.

Get a call back

The Nuts and Bolts

We’re up front with our customers about everything. We’ve created this handy summary of our buy-to-let mortgages key features so you can see the important information from the get-go.

Our current buy-to-let mortgage rates

Download our PDF of rates to read when you like - they contain all the ins and outs of our buy-to-let mortgages.

Buy-to-let mortgage details - New Customers (PDF)(125KB)

Buy-to-let mortgage details - Existing Customers (PDF)(299KB)

Buy-to-let requirements - PRA (PDF)(71KB)

Buy-to-let business plan - PRA (PDF)(70KB)

Eligibility

You can apply for a buy-to-let mortgage if you are:

Aged 21 or over
Buying a property in England or Wales
A home owner

Our wide mortgage range

Our buy-to-let mortgages are designed to be practical and flexible.

Loan sizes up to £5 million

Product/Criteria	Loan to Value	Stress Rate
2 year fixed	to 75%	140% of the mortgage interest amount calculated at a stress rate of 5.5%, earned income can be considered. Conditions apply.
5 year fixed	to 75%	140% of the mortgage interest amount calculated at a stress rate of 3.5%.
5 year fixed	to 80%	140% of the mortgage interest amount calculated at a stress rate of 4.5%.
Background Portfolio	to 80%	140% of the mortgage interest amount calculated at a stress rate of 5.5%.
Use of Earned Income (Top-slicing) - 2 year fixed only	to 75%	100% of the mortgage interest amount calculated at a stress rate of 5.5% is required to support the subject property and/or the background portfolio. Conditions apply.

Not available for Limited Company buy-to-let

Early repayment

You can pay off up to 10% every year with no early repayment charges. If you pay back more than this, you’ll be charged a percentage of the repaid amount.

View our Early Repayment Charges Hide our Early Repayment Charges

Years left on initial rate	% of overpayment amount
Between 4 & 5 years	5%
Between 3 & 4 years	4%
Between 2 & 3 years	3%
Between 1 & 2 years	2%
1 or less years	1%

Your one point of contact

During our mortgage process you’ll have one point of contact from start to finish.

Our underwriters consider your individual personal circumstances. That means we can take a sensible approach if you’re self-employed, a contractor, or if there’s another reason you might have difficulty getting a mortgage. The key is that we won’t lend more than you can comfortably repay.

We pay the fees for your remortgage

We offer remortgage options that can cover most or all of the legal and valuation fees.

Legal assistance

We can appoint a reliable solicitor for you from our panel. They handle the legal process, and we handle their fees. In some unusual cases there are things we don’t cover – such as unusual search fees, change of name on title, transfer of equity and first registration of title.

We hand-pick the solicitors on our panel. However, if you’d prefer to use a different solicitor you’ll need to cover the fees yourself. (We don’t cover independent legal advice either.)

You can get legal assist for properties valued up to £2 million.

Free valuation

For properties valued up to £2 million, we can cover the cost of the basic valuation.

Download information on all fees

Mortgage Tariff Details (PDF) (175KB)

Your property may be repossessed if you don’t keep up repayments on your mortgage.

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FAQs

Can I get a buy-to-let mortgage if I don’t already own a home?

No, you need to be an owner-occupier to get a buy-to-let mortgage with us. We accept first-time landlords though.

How much deposit do I need?

It varies depending on what mortgage you have. Deposits start from a minimum of 20% of the purchase price.

How do you assess affordability?

We'll review your personal circumstances and carry out a credit check. We also take rental income into account.

Is there a maximum age I can take my mortgage up to?

Yes, the maximum age you can be at end of your mortgage term is 85.

What’s the difference between a Fixed Rate mortgage and a Tracker mortgage?

Fixed Rate mortgages have an interest rate that’s set for a fixed period of time. Your payment will stay the same during this time, no matter what other interest rates do.

Tracker mortgages are a type of variable rate mortgage that follow (track) the movements of another rate, most commonly the Bank of England base rate.