Buy to let mortgages

Buy to let is different to purchasing a home for yourself to live in.

Whether you're an experienced property investor, or thinking about starting out on a buy to let journey, we have a range of options to choose from. Our buy to let mortgages are available for house purchases or for customers remortgaging from another lender. 

We can help with the following types of buy to let mortgages:

  • Regulated and non-regulated.

  • Consumer buy to let.

  • Holiday let.

  • Ex pat.*

  • Limited Company.

  • Regulation change for landlords.

Important information

  • Properties must be located in either England or Wales.

  • The tenancy agreement must be an assured shorthold tenancy for either six or twelve months.

  • We use rental income to assess affordability. You need to be employed/self-employed, resident in the UK, and show that your finances are self-supporting. The rental income from the property must cover 135% (125% for basic rate taxpayers) of an interest-only mortgage payment based on our stress rate (currently 6.90%).

In order to comply with regulations, any property rented out needs a minimum EPC rating of E. A penalty of up to £4,000 can be imposed for breaches of the regulations. The regulations apply to a new tenancy as well as renewal of an existing tenancy.

*Our Expat buy to let is not available if you're living in an EEA country.

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Buy to let guide

Helpful information on finding the right property and regulations to be aware of. 

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Buy to let affordability calculator

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