Buy to Let mortgages 

Buy to Let is a specialist area and very different to buying a home for yourself.

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.

WE CAN HELP WITH FOLLOWING TYPES OF BUY TO LET MORTGAGES:

• Regulated and non-regulated

• Consumer buy to let

• Holiday let 

• Ex pat - Our ExPat BTL is not available if you are living in an EEA country.

• 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 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.

BOOK AN APPOINTMENT WITH A QUALIFIED MORTGAGE ADVISER 

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.