We are extremely pleased to have been recognised as Highly Commended in the ‘Best Fixed Rate Mortgage Lender’ category at the Personal Finance Awards 2023/24.
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 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 and you do 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 tax payers) of an interest only mortgage payment based on our stress rate currently 8.55%.
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.
Appointments are available by video call, phone and in branch.Book now
Find out how much you could borrow.Find out
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|Product||Initial rate||APRC||Mortgage fees||Max LTV||Features|
|Buy to Let 3 year discount 75% LTV||5.50%discounted||7.0%||£950 Purchase or Remortgage None None||75%|
|Buy to Let 5 year discount 75% LTV||5.50%discounted||6.7%||£950 Purchase or Remortgage None None||75%|
|Buy to Let Fixed Rate until 29 November 2028 75% LTV||5.79%fixed||6.8%||£950 None None None||75%|
|Buy to Let HMO||7.00%discounted||7.4%||£1500 Purchase or Remortgage None None||60%|
|Existing Borrower Transfer Buy to Let 3 year discount 75% LTV||6.50%discounted||7.1%||£0 Purchase or Remortgage None None||75%|
|Ex-Pat Buy to Let||6.00%variable||7.1%||£1500 Purchase or Remortgage None None||75%|
|Ex-Pat Buy to Let 5 year fixed 75% LTV||6.69%fixed||7.3%||£1500 Purchase or Remortgage None None||75%|
|GoGreen Buy to Let Further Advance 3 year discount 75% LTV||5.00%discounted||6.8%||£0 None None None||75%|
|GoGreen LTD Company Buy to Let Further Advance 3 year discount 75% LTV||5.00%discounted||6.3%||£0 None None None||75%|
|Holiday Let 3 Year Discount||6.00%discounted||7.1%||£1500 Purchase or Remortgage None None||75%|
|Holiday Let 5 Year fixed 75% LTV||6.69%fixed||7.1%||£1500 Purchase or Remortgage None None||75%|
|Limited Company Buy to Let 75% LTV||6.00%discounted||7.1%||£1500 Purchase or Remortgage None None||75%|
|Limited Company Buy to Let Fixed to 29 November 2028 75% LTV||6.29%fixed||7.0%||£1500 Purchase or Remortgage None None||75%|
|Limited Company Holiday Let 5 Year fixed 75% LTV||6.89%fixed||7.2%||£1500 Purchase or Remortgage None None||75%|
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You can check the Financial Services register on the FCA's website.