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Buy-to-let mortgages

Mortgages, guides and tools for property investors

Whether you’re thinking about buying to let or expanding your property portfolio, explore some mortgages, tips and insurance deals to help with your plans.

  • Practical tips for anyone who wants to invest in property
  • A wide range of deals to help you buy and remortgage buy-to-let homes
  • Specialist landlord insurance to help you protect up to three properties

What’s a buy-to-let mortgage?

Buy-to-let mortgages are designed to help you buy a property that you intend to rent out to other people, rather than to live in. The amount you can borrow usually depends on the rental income you expect to earn from tenants, although we might consider other income in some circumstances. Typically, you’ll need a higher deposit amount for a buy-to-let mortgage.

How we can help

Check whether you’re eligible and browse our tips if you’re buying to let for the first time.

Buy-to-let calculator

See if we could help with your buy-to-let plans by answering a few questions about your circumstances, income and outgoings.

How to buy to let

Practical tips for landlords

Read our tips on how to become a landlord – from choosing a property and mortgage, to understanding your tax liabilities and legal responsibilities to tenants.

Our latest buy-to-let rates

Our best buy-to-let mortgage rates

Investing in property


Our buy-to-let mortgages could help you make a success of your investment, whether you’re a first-time buyer or building up your property investment portfolio.

Exclusive buy-to-let rates

Switch to a new rate if you have a mortgage with us

If you have a buy-to-let mortgage with us, we can offer you exclusive rates if you want to switch to a new deal – and you could borrow more.

Premier landlord mortgages

Exclusive rates for Premier

If you’re eligible for Premier, we could help – whether you’re mortgaging a buy-to-let property, borrowing more or switching your mortgage to us.

Professional landlord mortgages

There are many benefits of becoming a professional landlord. Our dedicated Business Banking Real Estate team can support you with tailored advice and solutions to suit your business needs – and help grow your portfolio. Visit Business Banking Real Estate to find out more.

How to apply

Use our calculators to see how much you could afford to borrow and find out how to prepare for your mortgage appointment.

Mortgage calculators

Work out which kind of mortgage you could afford

Use our mortgage calculators to work out how much you could borrow and how much deposit you need for a mortgage.

Book your appointment

Call us1 any time to arrange an appointment with one of our mortgage advisers – lines may be closed at off-peak times on bank holidays and during Christmas.

0333 202 7580

Starting your mortgage application

Get ready to apply

Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide.

About buying to let

Can I live in my buy to let property? You can’t live in your own buy-to-let property – these mortgages are designed for landlords. You’ll need a standard mortgage for a home if you want to live in the property. 

How easy is it to get a buy to let mortgage? While the application process for a buy-to-let mortgage is similar to applying for a mortgage to buy a home to live in, the eligibility criteria will differ. For example, with a buy-to-let mortgage application, you’ll need a higher deposit – usually around 25% of the property value, and interest rates are typically higher. We’ll also consider your circumstances, including how many rental properties you already own and how much you owe elsewhere. 

What’s the criteria for a buy to let mortgage? You’ll need to be 18 years or older to apply for a buy-to-let mortgage. If you’re considering a joint application, other applicants need to be aged 18 or older. You don’t need to have a residential property to apply for a buy-to-let mortgage, and you can apply on your own or with up to three people, providing you’re not part of a company. You can check our income and borrowing limits for more details.

More questions about buying to let? For more information on buying to let, see our guide to becoming a buy-to-let landlord.

Need some help?

Track It

If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.

You can also check our full mortgage range [PDF, 286KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.

Subject to application, financial circumstances & borrowing history. T&Cs apply