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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.

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

Your Premier buy-to-let options

Exclusive purchase rates

We have exclusive rates waiting for you if you’re investing in your first buy-to-let property or expanding your portfolio.

Designed for your plans

Choose a payment type that suits your business plan and explore our wide range of fixed-rate and tracker mortgages.

Are you eligible?

You’ll need to be 21 years or older. If you’re making a joint application, other applicants need to be aged 18 or older. You don’t need to own any other property, outright or with a mortgage, to apply for a buy-to-let mortgage. Up to 4 people can apply jointly, providing you’re not part of a company.

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

Is it right for you?

When you buy a property and rent it out you’re effectively running a small business. It gives you a way to earn some income, but you need to think about all the costs and risks you’ll face as a landlord.

You may face times when the property is vacant, known as voids, when you’ll have to cover your mortgage payments with no rental income. There may be changes to interest rates or tax law that result in higher outgoings. As a landlord you will have to keep the property in a good state of repair. So before you start or expand a rental property portfolio, you should consider taking some independent legal and financial advice.

Our exclusive Premier rates

See our full mortgage range, download our tariff of mortgage charges and read our legal information.

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How to apply

First, check that you’re eligible for Premier. Then calculate how much you could borrow, see if we’d be willing to lend the amount you need with an Agreement in Principle and then book a mortgage appointment.

Mortgage calculators

Work out the kind of mortgage you could afford

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

Agreement in Principle (AiP)

Take the first step to your mortgage with an AiP

Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score. 

Premier mortgage eligibility

Are you ready for Premier?

See if you’re eligible for Premier Banking so you can enjoy access to our exclusive mortgage rates and benefits.

Book an appointment

Call us1to book your appointment. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.

Call 0800 197 1081