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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 properties at any time with a combined value of £4.5 million across all lenders.

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

Overall cost for comparison

Loan to value

Mortgage fee

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. You must be 21 years or over and have a residential mortgage 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.