Confused by the mortgage process? You're not alone! Here are the top 12 questions first time buyers ask our mortgage advisers.
Buy to Let mortgages
Whether starting or expanding your property portfolio, we're here to help.
If you’re already investing in property, or thinking about getting a buy to let mortgage, 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 will make sure you have all the information you need before you take the next steps or make any decision on purchasing a rental property.
Regulated and non-regulated
Consumer buy to let
Ex pat - Our ExPat BTL is not available if you are living in an EEA country.
Regulation change for landlords
Properties must be located in England or Wales
In order to comply with regulations, any property rented out will have to have a minimum EPC rating of E. A civil penalty of up to £4,000 will be imposed for breaches of the regulations. The regulations will apply to a new tenancy to a new tenant and/or a renewal of a tenancy to an existing tenant.
Our helpful guide to becoming a landlord provides helpful information on finding the right property and regulations to be aware of.Read now
For further information on mortgage appointments see our making a mortgage appointment page for further details.
Appointments can be made during branch operating hours including Saturday mornings with our qualified mortgage advisers and can be undertaken by telephone, videocall or in one of our branches.
|Product||Initial rate||APRC||Mortgage fees||Max LTV||Features|
|Buy to Let 3 year discount 75% LTV||2.4%discounted||3.9%||£950 Purchase or Remortgage None None||75%|
|Buy to Let 5 year discount 75% LTV||2.4%discounted||3.6%||£950 Purchase or Remortgage None None||75%|
|Buy to Let fixed rate until 29 July 2027 75% LTV||3.19%fixed||4.0%||£950 Purchase or Remortgage None None||75%|
|Ex-Pat Buy to Let||2.9%variable||3.9%||£1500 Purchase or Remortgage None None||75%|
|GoGreen Buy to Let Further Advance 3 year discount 75% LTV||2.4%discounted||3.9%||£0 None None None||75%|
|GoGreen LTD Company Buy to Let Further Advance 3 year discount 75% LTV||2.8%discounted||4.0%||£0 None None None||75%|
|Holiday Let 3 Year Discount||3.1%discounted||4.0%||£1500 Purchase or Remortgage None None||75%|
|Limited Company Buy to Let 75% LTV||2.8%discounted||4.0%||£1500 Purchase or Remortgage None None||75%|
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You can check the Financial Services register on the FCA's website.