Our Professional Buy-to-Let mortgages are designed with professional landlords and investors in mind. We can help you grow your business by lending against your entire portfolio rather than just one property.
Available for limited companies, limited liability partnerships and professional individual investors.
Pick from our range of Fixed and Tracker Buy-to-Let mortgages, available on an interest-only basis with a maximum mortgage term of 25 years.
You can borrow up to 75% of the purchase price or professional valuation – whichever is lower - if you have more than one property.
Your property may be repossessed if you don't keep up repayments in your mortgage.
We’re up front with our customers about everything. We’ve created this handy summary of our Buy-to-Let key features so you can see the important information from the get-go.
Professional Buy-to-Let mortgages are subject to applications and status.
Our underwriters consider your personal circumstances individually. That means we can take a sensible approach if you’re new to the professional landlord business.
The key is that we won’t lend more than you can comfortably repay.
Early repayment fees may apply. See the PDF download below for details.
The minimum single loan size per property is £250,000. If the loan you want is below this we’ll refer you to the Commercial Team to discuss your options.
Not all of our products are regulated by the Financial Conduct Authority. Please ask a member of our Property team for details.
If interest rates go down, a fixed rate may be higher than a variable rate. If interest rates rise, the fixed rate will remain the same.
Download our PDF to read when you like - it contains all the ins and outs of our Professional Buy-to-Let Mortgages.
Your property may be reposessed if you don't keep up repayments in your mortgage.
We look at every case individually, so there’s no absolute rule – but this should give you an idea.
We take an aggregated view of the portfolio will be made to assess affordability, LTV and overall acceptability using a rental calculation 125% at 5.5% or 2% above pay rate (whichever is higher) for Limited Companies and LLP’s, and 140% at 5.5% or 2% above pay rate (whichever is higher) for professional individual investors.
The maximum we’ll lend you is 75% of each property value – the loan to value (LTV). That’s for loans up to £2 million. For larger loans we offer a lower percentage. Any fees are excluded from this calculation.
Up to 75% LTV Maximum loan up to £2 million
Up to 70% LTV Maximum loan up to £2.5 million
Up to 65% LTV Maximum loan up to £3 million
Up to 60% LTV Maximum loan up to £10 million
Up to 50% LTV Loan over £10 million
Yes, often you can. We look at everyone’s circumstances individually. You need to be able to rent out the properties in your portfolio for at least 140% of your mortgage payments according to an assumed interest rate of 5.5% or 2% above pay rate, whichever is higher if you are a professional individual investor or 125% at 5.5% or 2% above pay rate (whichever is higher) if borrowing through a Limited Companies or LLP – that helps us to be sure you can keep on top of your monthly payments.
To apply for a Buy-to-Let mortgage you will need a deposit of at least 25%.
You must be under the age of 80 at the projected end of the mortgage term to qualify for a Buy-to-Let mortgage.
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