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Professional Buy-to-Let Loans

We can help professional landlords and investors grow their business by lending against their entire portfolio instead of just a single property

Designed for professional landlords

Our loans are available for professional individual lenders, limited companies and limited liability partnerships 

A range of loan options

Choose from our range of mortgages, and decide which suits your needs

Borrow up to 75%

If you’ve got more than one property, we’ll lend up to 75% of the purchase price or professional valuation – whichever is lower


Come see us in store – we’re open 7 days a week, no appointments needed.

If you’re a commercial customer, speak to your Relationship Manager or Local Director. Their details will be listed alongside your local store

Your property may be repossessed or a Receiver of Rent may be appointed if you don’t keep up with your mortgage repayments.

Loan information

Loan information


All Buy-to-Let applicants must be UK residents and at least 21 years old, with a maximum age of 80 at the end of the mortgage plan. We don’t normally lend on a Buy-to-Let basis to anyone who does not already own their own residential property or has not owned a property previously.

At least one of the applicants must be employed, self-employed, retired or a company director at the time of a Buy-to-Let application.

Professional Buy-to-Let mortgages are subject to applications and status.

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a loan or other debt secured on it.

Minimum loan size

The minimum single loan size per property is £250,000. If the loan you want is below this, we’ll refer you to our dedicated Commercial or Property teams to discuss your options. 

We consider everyone individually

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.


Not all of our products are regulated by the Financial Conduct Authority. Please ask a member of our Property team for details.

Interest rates and fees

Interest rates and fees

Additional fees and charges

Product fee: The product fee can be added to the loan.

Legal and valuation fees: You will be required to pay your own legal and valuation fees. Because of the variety of property, any legal fees will vary according to the property.

Early repayment: Fees may apply. 

Interest rates

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.

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  • How do you work out what you can lend me on a Professional Buy-to-Let 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 

  • Can I get a Professional Buy-to-Let Mortgage if I don’t already own a residential property?

    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. 

  • How much deposit do I need?

    To apply for a Buy-to-Let mortgage you will need a deposit of at least 25%.

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

    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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