Buy-to-Let Mortgages

Please note, with effect from 1 January we are making changes to the rental calculations on Buy-To-Lets. Please contact us for more information.

Buying a property to rent out has become an increasingly popular investment in recent years. Becoming a landlord could be a way to give yourself a steady income by capitalising on the strong rental market.

Our buy-to-let mortgages are available both to existing landlords and new first time landlords. You can borrow up to a total of £1.5 million from us and we won’t set a limit on your borrowing with other lenders. As long as your rental income is at least 40% more than your monthly repayments, we’re happy to consider your application.

Want to find out more? Arrange a chat with one of our Mortgage Advisers.

  • Specialists in Buy-to-let Mortgages
  • No limits on borrowing with other lenders
  • No early repayment charges (except on our Buy-to-let Light Refurbishment products).
  • Expert help from our friendly Mortgage Advisers

Your property may be repossessed if you do not keep up repayments on your mortgage

Our buy-to-let mortgages

Buy-to-Let Two Year Discount Mortgage

  • Initial rate2.49% Variable
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.3% APRC
  • Product periodtwo years
  • Deposit required25%
  • Arrangement fee2.00% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £94,890 payable over 25 years, initially on a Discount rate for 2 Years at 2.49% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 23 years, would require 24 monthly payments of £196.90 and 276 monthly payments of £426.21.

The total amount payable would be £217,514.56 made up of the loan amount plus interest (£122,654.56), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.3% APRC representative.

Buy-to-Let Three Year Discount Mortgage

  • Initial rate4.89% Variable
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.6% APRC
  • Product periodthree years
  • Deposit required20%
  • Arrangement fee2.00% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £94,890 payable over 25 years, initially on a Discount rate for 3 Years at 4.89% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 22 years, would require 36 monthly payments of £386.68 and 264 monthly payments of £426.21.

The total amount payable would be £221,846.70 made up of the loan amount plus interest (£126,986.70), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.6% APRC representative.

Buy-to-Let Light Refurbishment Three Year Discount Mortgage

  • Initial rate4.99% Variable
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.6% APRC
  • Product periodthree years
  • Deposit required25%
  • Arrangement fee2.00% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £94,890 payable over 25 years, initially on a Discount rate for 3 Years at 4.99% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 22 years, would require 36 monthly payments of £394.58 and 264 monthly payments of £426.21.

The total amount payable would be £222,131.20 made up of the loan amount plus interest (£127,271.20), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.6% APRC representative.

Buy-to-Let Light Refurbishment Variable Rate Mortgage

  • Initial rate5.39% Variable
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.7% APRC
  • Product periodLife of loan
  • Deposit required20%
  • Arrangement fee2.00% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £94,890 payable over 25 years on our current Standard Variable Rate Mortgage of 5.39% (variable) would require 300 monthly payments of £426.21.

The total amount payable would be £223,270.23 made up of the loan amount plus interest (£128,410.23), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.7% APRC representative.

Buy-to-Let Fixed Rate Mortgage

  • Initial rate2.77% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is4.8% APRC
  • Product periodFixed until 28/02/2023
  • Deposit required25%
  • Arrangement fee2.00% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £94,890 payable over 25 years, initially on a Fixed rate Until 28.02.2023 at 2.77% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 19 years, would require 67 monthly payments of £219.04 and 233 monthly payments of £426.21.

The total amount payable would be £208,957.16 made up of the loan amount plus interest (£114,097.16), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.8% APRC representative.

Buy-to-Let Light Refurbishment Fixed Rate Mortgage

  • Initial rate4.77% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.5% APRC
  • Product periodFixed until 31/10/2022
  • Deposit required25%
  • Arrangement fee2.00% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £94,890 payable over 25 years, initially on a Fixed rate Until 31.10.2022 at 4.77% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 19 years 4 months, would require 68 monthly payments of £542.08 and 232 monthly payments of £572.21.

The total amount payable would be £170,572.66 made up of the loan amount plus interest (£75,712.66), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.5% APRC representative.

Talk to us today

To arrange an appointment with one of our Mortgage Advisers call us free on:0800 072 1100or complete the form below:





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