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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.

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

Before you apply

Are you eligible?

You’ll need to be 21 years or older – 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 three people, providing you’re not part of a company

Your income

To borrow up to £1 million, at least one applicant needs an annual gross income of £25,000

To borrow more than £1 million with no other applicants, you’ll need a gross annual income of £75,000

For joint applications for more than £1 million, where none of you has £75,000 gross annual income, you can apply with a joint gross annual income of £100,000

Borrowing limits

Borrow up to £2 million per buy-to-let property

Total borrowing of £3 million across all buy-to-let mortgages with us or £4.5 million across all lenders, including us

A maximum of six mortgaged rental properties with us, or 10 across all lenders, including us

How to apply

Use our calculator to check your buy-to-let eligibility and affordability, and then call us or visit a branch to book an appointment with a mortgage adviser.

Buy-to-let calculator

Confirm that you’re eligible and see what you could afford to borrow by answering a few questions about your circumstances, income and outgoings.

Call us

Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times1

0800 197 1081

Visit a branch

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

Our latest buy-to-let rates

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

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More buy-to-let options

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.

Private letting

Home insurance for landlords

Cover for private letting

Protection for landlords privately letting up to 3 properties2.

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.

Need some help?

Chat to us online

Start a web chat if you have a question about applying (we can’t give mortgage advice in web chats).

Call us

Call us1 any time – lines may be closed at off-peak times on bank holidays and during Christmas.

0800 197 1081

Track It

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