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Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy to Let Mortgages

With savings and pensions not having the same earnings potential as they used to, an increasing number of people are using their assets to purchase properties to rent out. We have a wide range of Buy to Let (BTL) mortgage options to choose from, which are available for house purchases, or for customers remortgaging from another lender. If you’re unsure about how much you can borrow, our Buy to Let calculator will help provide an estimate.

You can choose from applying online, in branch or over the phone, and can even use our buy to let mortgage calculator and get a decision in principle today.

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

2 year Fixed Rate BTL Mortgages

Initial rate fixed up to and inc. 30/11/16 Then our BTL Variable Rate less 1% discount up to and inc. 30/11/19, (currently) Then our BTL Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV Product arrangement fee
2.55% 4.99% 5.99% 5.3% 60% £1,800 View
Max loan amount £500,000
2.69%** 4.99% 5.99% 5.3% 60% £800 View
Max loan amount £500,000
2.99%** 4.99% 5.99% 5.4% 60% £0 View
Fees assisted / Max loan amount £500,000
2.89%** 4.99% 5.99% 5.4% 65% £600 View
Max loan amount £500,000
2.99%** 4.99% 5.99% 5.4% 70% £800 View
Max loan amount £500,000
2.69%** 4.99% 5.99% 5.4% 70% £1,600 View
Min loan amount £200,000 / Max loan amount £500,000
3.19%** 4.99% 5.99% 5.4% 70% £0 View
Fees assisted / Max loan amount £500,000
RATES CORRECT AS AT 27 AUG 2014

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

These products are only available for house purchases or for customers remortgaging from another lender. A booking fee of £199 is payable on application and is non-refundable even if the mortgage does not complete. If a product arrangement fee applies this is also payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional Features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 30 Nov 2016.
  • Interest calculated daily.
  • Maximum loan £500,000.

**Free standard valuation up to £335 and fees assisted in-house legal services for standard re-mortgages.

3 year Fixed Rate BTL Mortgages

Initial rate fixed up to and inc. 30/11/17 Then our BTL Variable Rate less 1% discount up to and inc. 30/11/19, (currently) Then our BTL Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV Product arrangement fee
3.09% 4.99% 5.99% 5.2% 60% £800 View
Max loan amount £500,000
3.39% 4.99% 5.99% 5.3% 70% £800 View
Max loan amount £500,000
3.39% 4.99% 5.99% 5.3% 60% £0 View
Fees assisted / Max loan amount £500,000
3.59% 4.99% 5.99% 5.4% 70% £0 View
Fees assisted / Max loan amount £500,000
RATES CORRECT AS AT 19 SEP 2014

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

These products are only available for house purchases or for customers remortgaging from another lender. A booking fee of £199 is payable on application and is non-refundable even if the mortgage does not complete. If a product arrangement fee applies this is also payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional Features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 30 Nov 2017.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • Free standard valuation up to £335 & Fees Assisted in-house legal services for standard re-mortgages.

5 year Fixed Rate BTL Mortgages

Initial rate fixed up to and inc. 30/11/19 Then our BTL Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV Product arrangement fee
3.69% 5.99% 5.2% 60% £800 View
Max loan amount £500,000
3.99% 5.99% 5.3% 70% £800 View
Max loan amount £500,000
3.99% 5.99% 5.3% 60% £0 View
Max loan amount £500,000
4.19% 5.99% 5.4% 70% £0 View
Max loan amount £500,000
RATES CORRECT AS AT 19 SEP 2014

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

These products are only available for house purchases or for customers remortgaging from another lender. A booking fee of £199 is payable on application and is non-refundable even if the mortgage does not complete. If a product arrangement fee applies this is also payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional Features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 30 Nov 2019.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • Free standard valuation up to £335.
  • Fees Assisted in-house legal services for standard re-mortgages.

Variable Rate BTL Mortgages

Our BTL Variable Rate applies for the term of the mortgage, (currently) Overall cost for comparison (APR) Max LTV Product arrangement fee
5.99% 6.3% 70% £1,350 View
RATES CORRECT AS AT 3 May 2014

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

These products are only available for house purchases or for customers remortgaging from another lender. A booking fee of £199 is payable on application and is non-refundable even if the mortgage does not complete. If a product arrangement fee applies this is also payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional Features

  • No Higher Lending Charge.
  • Unlimited capital repayments are allowed.
  • Maximum loan £500,000.

*Lower limits apply to interest only and part-interest only mortgages. For more information, call us direct on 08450 50 50 75. Lines are open 8am to 8pm seven days a week.

2 year Discounted BTL Rate

Our BTL Variable Rate less 3.20% discount for 2 years, (currently) Then our BTL Variable Rate less 1% discount for 3 years, (currently) Then our BTL Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV Product Arrangement Fee
2.79% 4.99% 5.99% 5.3% 70% £0 View
Fees Assisted / Maximum Loan Size £500,000
RATES CORRECT AS AT 9 OCT 2014

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

These products are only available for house purchases or for customers remortgaging from another lender. A booking fee of £199 is payable on application and is non-refundable even if the mortgage does not complete. If a product arrangement fee applies this is also payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional Features

  • No Higher Lending Charge.
  • Free standard valuation up to £335.
  • Fees Assisted in-house legal services for standard remortgages.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply for the first 2 years.
  • Interest calculated daily.
  • Maximum loan £500,000.

BTL 2 year Tracker

Initial rate variable up to and inc. 31/10/16, (currently) Terms Then our BTL Variable Rate less 1% discount up to and including 31/10/19, (currently) Then our BTL Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV Product arrangement fee
2.49% BoE base rate + 1.99% 4.99% 5.99% 5.3% 60% £800 View
2.69% BoE base rate + 2.19% 4.99% 5.99% 5.3% 70% £800 View
Initial rate variable up to and inc. 31/08/16, (currently) Terms Then our BTL Variable Rate less 1% discount up to and including 31/08/19, (currently) Then our BTL Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV Product arrangement fee
2.84% BoE base rate + 2.34% 4.99% 5.99% 5.3% 60% £0 View
RATES CORRECT AS AT 31 JUL 2014

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

These products track the Bank of England base rate (currently 0.5%) and are only available for house purchases or for customers remortgaging from another lender. A booking fee of £199 is payable on application and is non-refundable even if the mortgage does not complete. If a product arrangement fee applies this is also payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional Features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • For initial rates up to and inc. 31/08/16, Tapered Early Repayment Charges apply up to and including 31/08/16.
  • For initial rates up to and inc. 31/10/16, Tapered Early Repayment Charges apply up to and including 31/10/16.
  • Free standard valuation up to £335
  • Fees assisted in-house legal services for standard re-mortgages.
  • Interest calculated daily.
  • Maximum loan £500,000.

BTL 3 year Tracker

Initial rate variable up to and inc. 31/08/17, (currently) Terms Then our BTL Variable Rate less 1% discount up to and including 31/08/19, (currently) Then our BTL Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV Product arrangement fee
2.99% BoE base rate + 2.49% 4.99% 5.99% 5.2% 60% £0 View
RATES CORRECT AS AT 12 JUN 2014

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

These products track the Bank of England base rate (currently 0.5%) and are only available for house purchases or for customers remortgaging from another lender. A booking fee of £199 is payable on application and is non-refundable even if the mortgage does not complete. If a product arrangement fee applies this is also payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

Additional Features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 31/08/17.
  • Free standard valuation up to £335 & Fees Assisted in-house legal services for standard re-mortgages.
  • Interest calculated daily.
  • Maximum loan £500,000.