Buy to Let mortgages

Whether you’re looking for your first investment property or adding to your portfolio, browse our Buy to Let and Limited Company Buy To Let mortgage products.

Get an idea of how much you can borrow with our affordability calculator. The calculator will work out the maximum amount you could borrow by using a 5 year fixed rate to calculate the highest mortgage possible. Where a 5-year fixed rate is not available, the lowest rate will be used, stressed at +2%.

Mortgages are secured against your property. You could lose your property if you do not keep up payments on your mortgage.

Here are some Frequently Asked Questions about Buy to Let mortgages.

Affordability calculator

Find out how much you can borrow with our affordability calculators.

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Monthly payments calculator

Use the calculator to find out what your monthly payments might be based on the mortgage product and the type and term of your borrowing.

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Mortgage details

Property value i

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Mortgage amount required i

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Your loan to value is i

We’re sorry but the maximum LTV for this product is X%

Mortgage repayment type i

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Mortgage term i

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Your estimated monthly payments: i

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This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Variable rate Buy to Let mortgages

Our Standard Variable Rate (SVR) is currently 7.99% variable (effective from January 1st for existing customers). 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

Initial rate

5.49%

Discount from SVR

2.50%

Overall cost for comparison

8.0% APRC

Max LTV %

80%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Product name

Ltd Company Buy to Let variable for 2 years

Initial rate

5.49%

Discount from SVR

2.50%

Overall cost for comparison

8.0% APRC

Max LTV %

80%

Product fee

£1,499

Mortgage repayment

£XXX.xx per month

Calculate

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate (SVR), 7.99% variable after the initial rate period (effective from January 1st for existing customers).

Product name

Buy to Let fixed for 5 years

Initial rate

5.49%

Overall cost for comparison

7.4% APRC

Max LTV %

80%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Product name

Buy to Let fixed for 2 years

Initial rate

5.85%

Overall cost for comparison

8.0% APRC

Max LTV %

80%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Product name

Ltd Company Buy to Let fixed for 5 years

Initial rate

5.49%

Overall cost for comparison

7.4% APRC

Max LTV %

80%

Product fee

£1,499

Mortgage repayment

£XXX.xx per month

Calculate

Product name

Ltd Company Buy To Let fixed for 2 years

Initial rate

5.85%

Overall cost for comparison

8.1% APRC

Max LTV %

80%

Product fee

£1,499

Mortgage repayment

£XXX.xx per month

Calculate

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 a UK resident. 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 a UK resident. 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.

Buy to Let mortgages

Variable rate Buy to Let mortgages

Fixed rate mortgages

Representative example

Lending Criteria and Information

Customer feedback

How to apply

Buy to Let mortgages

Variable rate Buy to Let mortgages

Fixed rate mortgages

Representative example

Lending Criteria and Information

Customer feedback

How to apply

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