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Build your buy-to-let business

Professional Buy-to-Let

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.

Designed for professional landlords

Available for limited companies, limited liability partnerships and professional individual investors.

Choose the mortgage that’s right for you

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.

Borrow up to 75%

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 reposessed if you don't keep up repayments in your mortgage.

What you need to know

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.

2 year Tracker Rate3 year Fixed Rate5 year Fixed Rate5 year Tracker Rate
From 3.09% at 65% LTV From 3.39% at 65% LTV From 3.59% at 65% LTV From 3.09% at 65% LTV

Eligibility

  • 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.
  • Metro Bank will not 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.


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.


Additional Fees

  • 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. See the PDF download below for details.


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 the Commercial Team to discuss your options.


Regulation

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


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.


Get all the details to read at your leisure

Download our PDF to read when you like - it contains all the ins and outs of our Professional Buy-to-Let Mortgages.

Professional Buy to Let Details - New Customers (PDF)(452KB)

Professional Buy to Let Details - Existing Customers (PDF)(450KB)

Buy to Let Requirements - PRA (PDF)(71KB)

Buy to Let Business Plan - PRA (PDF)(70KB)

Our Service Relationship with Business Customers (PDF)(1.1MB)

Your property may be reposessed if you don't keep up repayments in your mortgage.

Get in touch to apply

You’ll have one point of contact to support you through the entire application process – just call our Property Team  on 0203 427 1457 or email us at propertyenquiries@metrobank.plc.uk 

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FAQs

  • 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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