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
  • 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.

Are you eligible?

To apply for a buy-to-let mortgage you’ll need to be 21 years or older and 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.

You can apply on your own or with up to 4 people, providing you’re not part of a company.

You can borrow up to £2 million per property, and have total borrowing of £3 million across all buy-to-let properties with us or £4.5 million across all lenders, including us. You can have up to a maximum of 6 mortgaged rental properties with us and a maximum of 10 mortgaged rental properties across all lenders, including us.

How much could you borrow?

Use our calculator to work out how much you could borrow, whether you want to switch your mortgage to us or work out your budget for a new purchase.

Remember that the amount you can borrow is just one part of your budget, though. Investing in a buy-to-let property gives you a way to earn some income, but you need to use good judgement and consider all the costs you could face as a landlord, such as 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 – take a look at our guide to buying to let, below.

Want to become a landlord?

If you’re investing in property for the first time, our guide to buying to let provides valuable advice on the issues you need to consider.

Expanding your portfolio?

We can help support you as you grow your property investment portfolio, providing its total value is within our eligibility limits.

Remortgaging a buy-to-let property?

See if we can offer you a deal that better suits your needs today when moving your buy-to-let mortgage from another lender to us.

Eligible for Premier?

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

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. Please check that you meet the eligibility terms for our buy-to-let mortgages.

Call us

Call us1 today on 0800 197 1081. Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times.

Visit a branch

Find a branch near you that offers appointments with mortgage advisers and see when we’re open.

Our buy-to-let rates

This table shows 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.


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Need some help?

If you want to know more about investing in property, 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.

Chat to us online

Chat to us online if you have a question about applying (we can’t give mortgage advice in web chats).

Call us

Call us1 on 0800 197 1081to speak to someone. Lines are open1 Monday to Friday, 8:30am to 5.30pm, and Saturday 9am to 1pm.

0800 022 4022

Visit a branch

Find a branch near you that offers appointments with mortgage advisers and see when we’re open.

More options for you

Buy-to-let centre

Get what you need for property investments

Want to start or expand your property portfolio? We've got tips, mortgages and insurance deals for experienced and aspiring landlords.

Premier Mortgages

Exclusive rates for Premier

Enjoy exclusive access to our mortgages for your home or buy-to-let property – whether you're buying, remortgaging, borrowing more or switching your rate

Great Escape mortgages

Save money when you remortgage with us

You could save thousands of pounds when you switch to us from your current lender because we won't charge you application, valuation or standard legal fees.

Barclays Landlord Insurance

Cover for residential and commercial properties

Take the hassle out of rental property incidents and emergencies.