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.
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)
Our expert mortgage consultants are available from Monday to Wednesday and Friday from 9am to 5.30pm, and Thursday 10am to 5.30pm.
Pick from our wide range of buy-to-let mortgages. Pay back up to 10% every year with no charges.
We can help you remortgage too. Choose from a range of cost-effective packages that can include free valuations and legal assistance.
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.
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)
You can apply for a buy-to-let mortgage if you are:
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% |
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.
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% |
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.
Mortgage Tariff Details (PDF) (175KB)
No, you need to be an owner-occupier to get a buy-to-let mortgage with us. We accept first-time landlords though.
It varies depending on what mortgage you have. Deposits start from a minimum of 25% of the purchase price.
We'll review your personal circumstances and carry out a credit check. We also take rental income into account.
Yes, the maximum age you can be at end of your mortgage term is 85.
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.
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A friendly face and a quick answer - and all the usual payment services too.
If you need help you can talk to a real person in our UK contact centre 24 hours a day, 7 days a week, 365 days a year.
Been with us a while? Enjoy stress-free switching, a personal service and lower fees.
Take the guesswork out of the buy-to-let mortgage application process with our helpful guide.