Buy to Let Mortgages

Core range overview

Our range of buy to let mortgages offers landlords a variety of solutions, whatever their situation. We can help portfolio landlords, limited companies, those looking at HMOs, and first-time-landlords.

Top slicing

Top slicing is available across our entire buy to let range for new purchases and allows landlords to:

Choose from a wider choice of products
Achieve greater flexibility around loan size
Optimise their investment opportunity
Demonstrate they can meet financial stresses using surplus portfolio income, earned disposable income, or a combination of the two.

To find out more view our online criteria guide or download our Guide to Top Slicing.

Making it easier

Click here to view our mortgage submission guide. This document has been designed to help provide a smooth application process for you and your customer.

Highlights and features of our buy to let range

Rental cover - Assessment rate:

Pay rate plus 1.55% (minimum 5.50%) for short-term fixed and tracker products
Pay rate for 5-year fixed rates

5-year fixed rate products that help maximise the loan size availablee
Maximum term of 35 years
Maximum age at application 80 years

Click here to see more information about our Limited Companies and Houses in Multiple Occupation (HMO) range.

Who is our buy to let range for?

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

Portfolios without the heavy lifting?

If you have a landlord who has 4 or more properties click here to visit our dedicated portfolio page.

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.

Bank of England Base Rate (BBR) Trackers and the Reversion Rate

BBR Trackers and reversion rates are variable rates that are linked to the Bank of England base rate. For new applications, any change to BBR will apply on our systems and documentation the next day. For existing accounts, any change to BBR will apply on the day of the change.

All of our BBR tracker products have a floor. This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00% plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

The products and/or services featured above are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.