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
- 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 0800 197 1081 1
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.
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
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.
More ways to buy a property
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.
- Lines are open all day, every day – except during Bank Holidays and Christmas period, when lines may be closed at off-peak times. Call charges.