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 three ranges of buy-to-let mortgages:

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

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

Limited Company BTL - for purchasing through a limited company with the intent of renting out.

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 not available to applicants living in The Netherlands - 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 £3,000,000. Loans over this are priced on a bespoke basis and have restricted LTV’s
• For portfolio landlords the maximum LTV INCLUDING fees is 75%