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Buy-to-let mortgages

Reach your property investment goals

Whether you’re an experienced or aspiring landlord, our buy-to-let mortgages will help you make a success of your investment.

  • Choose between fixed-rate or tracker when you're buying
  • Take a Great Escape mortgage if you’re remortgaging
  • Pick a payment type that suits your business plan

Your buy-to-let property may be repossessed or a receiver of rent appointed if you do not keep up payments on your mortgage.

The business of buying to let

Investing in a buy-to-let property is very different than buying your own home – it’s more like getting ready to run a small business.

Buying to let gives you a way to earn some income. But you need to use good judgement and consider all the costs you’ll face as a landlord. You’ll need to be prepared for the possibility of rent not coming in, interest rate rises and changes to tax law. It’s always worth getting independent financial advice before taking out a buy-to-let mortgage.

Help for first-time landlords

If you’re investing in property for the first time, our guide to buying to let and practical tips for buy-to-let landlords offer valuable advice on finding the right location and property, and understanding all of the costs involved in becoming a landlord.

Is it right for you?

Our buy-to-let mortgages could be right for you if you

  • Want to become a landlord
  • Plan to expand your property portfolio
  • Are looking to remortgage properties you already rent out

You’ll need to be 21 years or over and have a residential property, either owned outright or mortgaged with a UK lender. You can borrow up to £1 million per property, providing you own no more than 6 mortgaged properties at any time with a total borrowing of £4.5 million across all lenders or £3m across all buy-to-let properties with us.

Premier buy-to-let mortgages

If you’re a Premier customer, or eligible to become one, you could apply for our Premier buy-to-let mortgages, which offer exclusive benefits.

How to apply

You can apply for a buy-to-let mortgage on your own or with up to 4 people, providing you’re not part of a company. You’ll need to make sure the property has the appropriate insurance. Take a look at our landlord insurance to see if it meets your needs.

To apply, you’ll need to speak to one of our mortgage advisers. You can call us or visit a branch to book an appointment.

Book an appointment

Call us on 0333 202 7573 1

Visit a branch

Our current rates

This table outlines what the initial interest rate will be, as well as the follow-on rate, the amount you can borrow and any application and early repayment charges. You can sort any of the columns by selecting the column title.

You can save a copy of our tariff of mortgage charges and read our important legal information.

Are you a Premier customer? See our exclusive mortgage range.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.

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Initial interest rate

Follow on interest rate

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Early repayment charge

Need some help?

If you want to know more about buy-to-let mortgages, choose how you’d like to get in touch – online, in branch or over the phone. You can also browse our mortgage FAQs .

If you want help choosing the right mortgage for you, you’ll need to call us to speak to a mortgage adviser. 

Talk to us online

Call us on

0800 197 1081 2

Visit a branch

More ways to buy a property

Premier Banking

Premier buy to let

If you have a Premier Current Account, you could access our exclusive Premier buy-to-let mortgages.

Great Escape mortgages

If you have a buy-to-let mortgage with another lender, you could save money when you remortgage with us.

Important information

Subject to status and availability.  The main applicant must be 21 years or over (any other applicants must be 18 years or over) and have a residential property, either owned outright or mortgaged, with a UK lender in order to apply for a buy-to-let mortgage with us.

  1. Lines are open Monday to Friday, 8am – 6pm and Saturday 9am – 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges.
  2. Lines are open Monday to Friday, 8am – 9pm, Saturday 9am – 8pm and Sunday 10am – 4pm. To maintain a quality service, we may monitor or record phone calls. Call charges.