Buy to let mortgages

We specialise in buy to let mortgages, if you are starting out or growing your portfolio, we have a range of mortgages designed for landlords. 

If you are thinking of investing in a buy to let, we have some helpful answers to questions you may have.

What is a buy to let mortgage?

A type of mortgage for a property you are purchasing as an investment to rent to a residential tenant.

View buy to let products

How much rental income could I get?

Our rental yield calculator can help you find out the potential gross rental income as a percentage of your property value.

Calculate rental yield

Eligibility

Who can apply for a buy to let mortgage?

  • We have no maximum age if you are an experienced landlord, otherwise the maximum age is 70. Our minimum age is 21.
  • We accept first time landlords and first time buyers if accompanied by an existing property owner.
  • There is no minimum income, the amount you can borrow is linked to how much the property is let for.

 

You can read more about eligibility in our summary of lending criteria.

 

Applying for a buy to let mortgage

1. Consider eligibility

Your eligibility

Property eligibility

  • Make sure the property is in a lettable condition.
  • The property will not be rented to a family member.
  • You do not live in the property and it is not next to one that you already own.

Financial information

  • Make sure you have the minimum deposit amount of 20%.

If you are not ready to book an appointment and have further questions, you can call our expert team on 0345 607 30 21.

2. Book an appointment

To apply for a buy to let mortgage with us you will need to book an appointment with one of our buy to let  mortgage consultants. As part of the appointment booking we'll ask you some questions and it should take about 3 minutes to complete. You will be able to select a mortgage consultant or automatically assign a consultant to your booking, and you will be able to select a suitable date and time.

Book appointment

Being a landlord

There are rules and regulations that landlords need to follow to protect their tenants. These include:

  • Having a valid Energy Performance Certificate (EPC) and the rating must be E or higher.
  • Ensure all gas and electrical equipment is safely installed and maintained.
  • Protect the tenants deposit in a government approved scheme.
  • Fit and test smoke alarms and carbon monoxide alarms.
  • Our news and insights page has a range of information to help simplify complex regulation.