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 £396,345 payable over 23 years, initially on a Discounted rate for 2 years at 2.49% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 21 years, would require 24 monthly payments of £822.41 and 252 monthly payments of £1,780.25.

The total amount payable would be £864,704.93 made up of the loan amount plus interest (£468,390.37), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.3% 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 is5.7% APRC
  • Product periodthree years
  • Deposit required25%
  • Arrangement fee2.00% of the loan
View this mortgage ViewRepresentative Example

A mortgage of £84,118 payable over 15 years, initially on a Discounted rate for 3 years at 4.99% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 12 years, would require 36 monthly payments of £341.73 and 144 monthly payments of £369.13.

The total amount payable would be £150,146.58 made up of the loan amount plus interest (£66,058.88), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.7% 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:

Does at least one applicant have an income?


Do you have a deposit (or equity in property) of at least 5% of the property value?


Do you own your current residential property (with or without a mortgage)?


Do you have a deposit (or equity in property) of at least 20% of the property value?


Thank you for your enquiry.

A Mortgage Adviser will be in contact with you within 3 working days.