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Your buy to let options

buy to let mortgages

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.

Service that’s personal

Our consultants are available 7 days a week, 362 days a year. And you’ll have one point of contact through the whole process.

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.

Need a large sum?

We consider loans up to £10 million. We’ll assess these in our usual way.

Your home may be repossessed if you don't keep up repayments on your mortgage.

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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)(297KB)

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:

  • 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

  • Available for customers with a maximum of 15 properties in total (of which no more than 10 are mortgaged with us).
  • The minimum rental income required is 140% based on a monthly mortgage pay rate of 5.5%.
  • Not available for Limited Company Buy to Let – we offer this type of mortgage through Professional Buy to Let

Want to borrow more than £5 million?

  • Loans up to £10 million can be tailored to your individual needs.
  • We offer bespoke products for Buy to Let applications over £5 million.
  • No funds under management are needed.
  • Discuss potential new applications either face to face or by phone with a large loan specialist.
  • Both Tracker and Fixed Rate products available.

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.

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. 

We pay the fees for your remortgage

We offer remortgage options that can cover most or all of the legal and valuation fees.

Legal assistance

We can appoint a reliable solicitor for you from our panel. They handle the legal process, and we handle their fees. In some unusual cases there are things we don’t cover – such as unusual search fees, change of name on title, transfer of equity and first registration of title.

We hand-pick the solicitors on our panel. However, if you’d prefer to use a different solicitor you’ll need to cover the fees yourself. (We don’t cover independent legal advice either.)

You can get legal assist for properties valued up to £2 million.

Free valuation

For properties valued up to £2 million, we can cover the cost of the basic valuation.

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.

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  • How much can I borrow?

    It depends on how much the property costs and its rental income. The rent must be at least 125% of the mortgage payment.  We use an interest rate of 5.5%, which takes into account the possibility of future interest rate rises and costs related to the property.

  • 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 80.

  • 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.

Your ways to bank


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A friendly face and a quick answer. And all the usual payment services too. We're open 362 days a year


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.

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Guide to buy-to-let mortgages

Take the guesswork out of the buy-to-let mortgage application process with our helpful guide.