Buy to Let Mortgages


We offer an extensive range of buy to let mortgages suitable for professional, first time landlords and consumer buy to let.

Our consumer buy to let offering is suited to customers that only have one buy to let property and didn’t purchase that property to let (e.g. inherited it or originally purchased it to live in).

In addition to our core buy to let range we have a range to support Limited Companies and Houses in Multiple Occupation (HMO).

Key product features

Things you need to know about our buy to let mortgages are:

  • 80% LTV
  • 2, 5 and 10 year fixed rate products available
  • no bank statements required in tier 1 products
  • lifetime trackers with rental calculation at 125% of pay rate
  • pensions as income and withdrawals as a deposit accepted
  • no minimum income requirements on properties under £1million
  • maximum term 35 years
  • max age 80 years at the date of application

Who is this range for?

This might be the right mortgage range for your customers if they are:

  • first time landlords
  • experienced or retired landlords looking to extend their portfolio
  • consumer buy to let
  • self-employed landlords with 1 year’s accounts
  • landlords with high quality properties with a low rental yield
  • looking to purchase a new build property

Bridge to Let

Bridge to let is an ideal solution for your customers who are property investors looking to complete their next project before renting out the property.

Key highlights include:

  • Reduce your customer’s fees with a 0% facility fee bridge, coupled with a 0% product fee buy to let mortgage.
  • Choose to apply for the buy to let mortgage at the same time as the bridge or post refurbishment works.
  • Withdraw capital on the completed project, allowing your customer to invest into their next project.

To find out more about our 0% facility fee bridging finance products, please click here or click here to view the 0% product fee buy to let products available.

Packager Panel

Let our Packager Panel do the work for you.

You can submit a residential or buy to let mortgage to us direct or alternatively you can introduce a case to one of our packagers.

Contact one of our Packagers direct today.

Buy to Let Mortgages

Contact us

Document downloads

HMO or Ltd Company

Products designed to make your customer’s lives easier, supported by a dedicated team of underwriters to help make the process as simple as possible.

New build... no problem

  • Help to Buy and New Build Priority Processing Service
  • Call us on 0330 024 0349
  • Flats in blocks up to 20 storeys accepted
  • S106 obligations considered
  • Our new build criteria also includes buy to let opportunities

Support for the self-employed

Your self-employed customers are more likely to get the property they want with our buy to let mortgages range because we:

  • Require 12 month minimum trading period
  • Lifetime trackers with rental calculation at 125% of pay rate

Click here to find out more and enter the self-employed zone.

Residential and Buy to Let Mortgages service update