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Buy to Let range

Our Buy-to-Let mortgages are all available up to 75% LTV.

While our Expat products are suitable for UK nationals residing abroad who wish to purchase or re-mortgage a property in the UK, our Everyday product is perfect for first time landlords and existing landlords to purchase or re-mortgage a property. Our Limited Company products are suitable for landlords operating via a limited company to purchase or re-mortgage a property.

We have two ranges of buy-to-let mortgages:

Special Situations – for British nationals currently living outside the UK who want to purchase or remortgage a rental property.

Everyday – for landlords who want to purchase or remortgage a property.

Key points for our Limited Company mortgages

  • 2 Year fixed rates: Rental cover 125% of either pay rate +2% or 5.5% whichever is higher
  • 5 year fixed rates: Rental Cover 125% of pay rate
  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate. Fees can be added to the loan for debt for debt remortgages
  • For portfolio landlords the maximum LTV INCLUDING fees is 75%
  • No time limit as to how long registered i.e. new SPV’s allowed

Key points for our Expat mortgages

  • Available to First-Time-Landlords & First-Time-Buyers
  • Regulated buy to let accepted from non-EEA countries - At some point, either now or in the future, you or an immediate family member will occupy the premises or be a tenant.
  • We will condition the offer for nomination of a UK solicitor with a minimum of 2 partners who will act for the applicant, on whom the society can serve notice in the event of default.


Key points for our Everyday BTL mortgages

  • 5 Year Fixed Rates: Rental Cover 140% of pay rate
  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate
  • Interest only or repayment
  • Regulated BTL accepted
  • Maximum loan size £1,000,000. Loans over this are priced on a bespoke basis and have restricted LTV’s
  • For portfolio landlords the maximum LTV INCLUDING fees is 75%

Our Buy to Let products

Everyday Buy-to-Let Five Year Fixed Mortgage

Initial rate

3.97% (fixed)

Product period

31.01.2027

Then changing to our SVR

5.39%

Deposit required

25.00%

The overall cost for comparison is

5.00% APRC

Arrangement fee

1.50%

Expat Buy-to-Let Five Year Fixed Rate Mortgage

Initial rate

4.07% (fixed)

Product period

31.01.2027

Then changing to our SVR

5.39%

Deposit required

25.00%

The overall cost for comparison is

5.20% APRC

Arrangement fee

1.50%

Expat Buy-to-Let Two Year Discount Mortgage

Initial rate

3.99% (variable)

Product period

Two Years

Then changing to our SVR

5.39%

Deposit required

25.00%

The overall cost for comparison is

5.40% APRC

Arrangement fee

£1,995

Expat Buy-to-Let Two Year Fixed Rate Mortgage

Initial rate

3.77% (fixed)

Product period

31.01.2024

then changing to our SVR

5.39%

Deposit required

25.00%

The overall cost for comparison is

5.30% APRC

Arrangement fee

1.50%

Limited Company Buy-to-Let Five Year Fixed Rate Mortgage

Initial rate

3.97% (fixed)

Product period

31.01.2027

then changing to our SVR

5.39%

Deposit required

25.00%

The overall cost for comparison is

5.20% APRC

Arrangement fee

1.50%

Limited Company Buy-to-Let Two Year Fixed Rate Mortgage

Initial rate

3.77% (fixed)

Product period

31.01.2024

then changing to our SVR

5.39%

Deposit required

25.00%

The overall cost for comparison is

5.40% APRC

Arrangement fee

1.50%

Your home may be repossessed if you do not keep up payments on your mortgage