Family buy to let

You can’t live with them, and you can’t live without them. 

Do you have clients looking to purchase a property to let out to parents, siblings or children? Our Buy-to-Let mortgages could be right up their street!

Click here to see our latest Buy to Let products.

The best bits:

  • Our Buy-to-Let calculator is a quick and easy way to  check affordability, and works with our rental coverage of 135% using a stress rate of 8.55% (higher tax rate) and 125% using a stress rate of 8.55% (basic tax rate) 
  • We consider other income to support the application, known as top-slicing, if the ICR doesn’t work
  • Suitable for those looking to give loved ones independence and security whilst accruing capital in the property over time
  • We can help with  regulated, consumer, ex-pat and limited company applications  

Don’t forget:

  • No credit scoring – we assess on individual merit
  • Tailored underwriting with each case individually considered 
  • We can split mortgages (by term and / or payment vehicle), and combine with Joint Borrower – Sole Proprietor

Contact us to discuss your client's requirements today. Our Helpdesk is available 9am-5pm Monday to Friday, by calling 01635 918000.

Please note: Figures and rates correct as at 14/08/2023. 

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