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.
Our consultants are available 7 days a week, 362 days a year. And you’ll have one point of contact through the whole process.
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 consider loans up to £10 million. We’ll assess these in our usual way.
Your home may be reposessed if you don't keep up repayments on your mortgage.
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.
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
Want to borrow more than £5 million?
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.
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 offer remortgage options that can cover most or all of the legal and valuation fees.
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.
For properties valued up to £2 million, we can cover the cost of the basic valuation.
Download information on all fees
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.
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 80.
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. 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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Take the guesswork out of the buy-to-let mortgage application process with our helpful guide.