Buy to Let mortgages

Whether your client is looking for their first investment property, or adding to a portfolio, browse our Buy to Let mortgage range, including Limited Company products, to get a good idea of how much they can borrow.

Affordability calculator

Find out how much your client can borrow with our affordability calculators.

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Variable rate Buy to Let mortgages

Our Standard Variable Rate (SVR) is currently 7.99%. Please note that from 1st March 2025 the SVR will reduce to 7.79%. There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.

Product name

Buy to Let variable for 2 years

Product code: BDD087

Initial rate

5.49%

Discount from SVR

2.50%

Overall cost for comparison

8.0% APRC

Max LTV %

80%

Product fee

£999

Product name

Ltd Company Buy to Let variable for 2 years

Product code: BDD088

Initial rate

5.49%

Discount from SVR

2.50%

Overall cost for comparison

8.0% APRC

Max LTV %

80%

Product fee

£1,499

Loan:	Size: Minimum £50,000, Maximum £500,000 at 80% and up to £1,500,000 at 75%. Term: Minimum 5 years, Maximum 40 years. Repayment Type: Capital Repayment, Interest Only.
Property:	Must be standard construction. New build flats may be considered. Must be in England, Wales or Mainland Scotland, Shetland, Orkney, Arran, Bute, Skye, Harris & Lewis, Mull and Islay.
All applicants:	Must be UK residents. Minimum age 21. No maximum age, subject to income in retirement.
Income:	Household income must be at least £20,000.
Rental:	The calculation is based on the actual or expected rental. Rent must cover 125% of the ‘stressed mortgage payments’ for basic rate tax payers, or 145% for higher rate tax payers. The stressed mortgage payment is based on the product rate +2% or 5.5% whichever is higher.
Underwriting:	We take a flexible approach to underwriting and will consider each case on its merits. We do not credit score. The actual rate and APRC for your case will depend on your circumstances and our assessment of the risk.

Loan:

Size: Minimum £50,000, Maximum £500,000 at 80% and up to £1,500,000 at 75%.
Term: Minimum 5 years, Maximum 40 years.
Repayment Type: Capital Repayment, Interest Only.

Property:

Must be standard construction.
New build flats may be considered. Must be in England, Wales or Mainland Scotland, Shetland, Orkney, Arran, Bute, Skye, Harris & Lewis, Mull and Islay.

All applicants:

Must be UK residents. Minimum age 21. No maximum age, subject to income in retirement.

Income:

Household income must be at least £20,000.

Rental:

The calculation is based on the actual or expected rental. Rent must cover 125% of the ‘stressed mortgage payments’ for basic rate tax payers, or 145% for higher rate tax payers. The stressed mortgage payment is based on the product rate +2% or 5.5% whichever is higher.

Underwriting:

We take a flexible approach to underwriting and will consider each case on its merits. We do not credit score. The actual rate and APRC for your case will depend on your circumstances and our assessment of the risk.

What our Intermediaries are saying

“Helpful and flexible criteria. ”

Craig, Roberts McBain

“The BDM was knowledgeable and insightful.”

Gail, Mortgage Sure Ltd

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

Emma. G3 Mortgages

“Bath seem to have a good policy on adverse credit and rent a room products.”

John, Virtue Financial

“Lovely little lender, able to help when the big boys can't.”

Andy, Together FSL

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

Clark, Wiser Mortgage Advice

Buy to Let mortgages

Variable rate Buy to Let mortgages

Lending Criteria and Information

What our Intermediaries are saying

“Helpful and flexible criteria. ”

“The BDM was knowledgeable and insightful.”

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

“Bath seem to have a good policy on adverse credit and rent a room products.”

“Lovely little lender, able to help when the big boys can't.”

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

How to apply

Contact us

Professional Intermediaries only

Buy to Let mortgages

Variable rate Buy to Let mortgages

Lending Criteria and Information

What our Intermediaries are saying

“Helpful and flexible criteria. ”

“The BDM was knowledgeable and insightful.”

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

“Bath seem to have a good policy on adverse credit and rent a room products.”

“Lovely little lender, able to help when the big boys can't.”

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

How to apply

Contact us

Professional Intermediaries only

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