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)

Need help with your mortgage application?

Our expert mortgage consultants are available from Monday to Wednesday and Friday from 9am to 5.30pm, and Thursday 10am to 5.30pm.

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

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

Fixed Rate	Case Type	Assessment	ICR	Stress Rate
< 5 year	Purchase / Additional Borrowing	Self-funding	140%	Product pay rate + 2% (minimum 5.5%)
< 5 year	Purchase / Additional Borrowing	Top-slicing	100%	Product pay rate + 0.5% (minimum 5.5%)
< 5 year	£4£ Remortgage	Self-funding	140%	Product pay rate + 0.5% (minimum 5.5%)
< 5 year	£4£ Remortgage	Top-slicing	100%	Product pay rate + 0.5% (minimum 5.5%)
> = 5 year	Purchase / Additional Borrowing	Self-funding	140%	Product pay rate + 0.5% (minimum 5.5%)
> = 5 year	Purchase / Additional Borrowing	Top-slicing	100%	Product pay rate + 0.5% (minimum 5.5%)
> = 5 year	£4£ Remortgage	Self-funding	140%	Product pay rate + 0.5% (minimum 5.5%)
> = 5 year	£4£ Remortgage	Top-slicing	100%	Product pay rate + 0.5% (minimum 5.5%)
All	Background portolfio	Portfolio landlords only	140%	5.5%

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.

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.

Toggle between map and list views Map view List view

Find Store

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 25% 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.