Buy to Let Mortgages

Looking to buy a house to rent out? You'll need a Buy to Let mortgage.

We've got a wide range of options to choose from, including Fixed Rate and Tracker products. These are available for house purchases or for customers remortgaging from another lender.

With our Fixed Rate mortgages, your repayments will stay the same during the fixed term period, helping you plan ahead.

with our Tracker Rate mortgages, your repayments will track the Bank of England (BoE) base rate for a fixed amount of time, meaning your interest rate could go up or down.

We don’t offer an advised service for Buy to Let mortgages, so you’ll need to make your own choice about which mortgage is suitable for you. This means we won’t assess the suitability of the mortgage you choose to your needs and circumstances. If you’d like support with your application, please contact us.

At least one applicant must be an existing residential homeowner occupier, living with a residential homeowner occupier, or living in accommodation tied to their employment.

Please note that applications from landlords with four or more mortgaged rental properties (Portfolio Landlords) or from limited companies can only be accepted through an independent financial adviser (IFA) or mortgage broker.

Your rental property could be repossessed or a receiver of rent appointed, if you don't keep up your mortgage repayments.

Legal Assisted 2 Year Buy to Let Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2028Then the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.56% 8.04%7.8%60%£1499 View
Max loan amount £1,000,000
4.98% 8.04%7.8%60%£0 View
Max loan amount £1,000,000
5.84% 8.04%8.0%75%£1499 View
Max loan amount £750,000
6.21% 8.04%8.0%75%£0 View
Max loan amount £750,000
RATES CORRECT AS AT 11 june 2026

Representative Example

A mortgage of £100,000.00 payable over 25 years initially on a fixed rate for 2 years at 6.21% and then on our current Buy to Let Variable Rate of 8.04% (variable) for the remaining 23 years would require 24 monthly payments of £517.50 and 276 monthly payments of £670.00.

The total amount payable would be £297,375.00 made up of the loan amount plus interest of £197,340.00 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 8.0% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This representative example has been calculated on an interest only basis. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Additional Features

  • Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender.
  • A product fee is payable on application (where applicable) but is refundable should the mortgage not complete.
  • A mortgage exit fee of £199 will apply.
  • Reducing Early Repayment Charges may apply. These may apply when selling, switching, or overpaying too much. Please see the mortgage documents for full details.
  • Interest calculated daily.
  • When you're applying for an interest only mortgage, please be aware that you'll need to have a credible repayment strategy in place to pay off the loan and any interest accrued under the mortgage at the end of the term.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • Buy to Let mortgages which are for business purposes are exempt from FCA Rules.

For more detail about specific products, visit the links in the table above.

Legal Assisted 5 Year Buy to Let Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2031Then the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.64% 8.04%7.1%60%£1499 View
Max loan amount £1,000,000
4.80% 8.04%7.1%60%£0 View
Max loan amount £1,000,000
6.14% 8.04%7.7%75%£1499 View
Max loan amount £750,000
6.32% 8.04%7.7%75%£0 View
Max loan amount £750,000
RATES CORRECT AS AT 11 june 2026

Representative Example

A mortgage of £100,000.00 payable over 25 years initially on a fixed rate for 5 years at 6.32% and then on our current Buy to Let Variable Rate of 8.04% (variable) for the remaining 20 years would require 60 monthly payments of £526.67 and 240 monthly payments of £670.00.

The total amount payable would be £292,435.20 made up of the loan amount plus interest of £192,400.20 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.7% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This representative example has been calculated on an interest only basis. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Additional Features

  • Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender.
  • A product fee is payable on application (where applicable) but is refundable should the mortgage not complete.
  • A mortgage exit fee of £199 will apply.
  • Reducing Early Repayment Charges may apply. These may apply when selling, switching, or overpaying too much. Please see the mortgage documents for full details.
  • Interest calculated daily.
  • When you're applying for an interest only mortgage, please be aware that you'll need to have a credible repayment strategy in place to pay off the loan and any interest accrued under the mortgage at the end of the term.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • Buy to Let mortgages which are for business purposes are exempt from FCA Rules.

For more detail about specific products, visit the links in the table above.

Buy to Let 2 Year Tracker Rate Mortgages

Initial rate variable up to and inc. 30/09/2028, (currently)TermsThen the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.20% BoE base rate + 0.45%8.04%7.7%60%£1499 View
Max loan amount £1,000,000 / It's not possible to apply for this product online.
RATES CORRECT AS AT 3 july 2026

Representative Example

A mortgage of £300,000.00 payable over 25 years on a tracker rate for 2 years at 0.45% above the 3.75 and then on our current Buy to Let Variable Rate of 8.04% for the remaining 23 years would require 24 monthly payments of £1050.00 and 276 monthly payments of £2010.00.

The total amount payable would be £881,494.00 made up of the loan amount plus interest of £579,960.00 and application fee £0, product fee £1499, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.7% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This representative example has been calculated on an interest only basis. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Additional Features

  • During the fixed term, the interest rate won't go under 0.50%, even if the Bank of England base rate drops below this. This is sometimes referred to as an interest rate 'floor'.
  • Interest calculated daily.
  • Free standard valuation up to £999.
  • Unlimited capital repayments are allowed.
  • No Early Repayment Charges apply.

Our mortgage calculators

Affordability calculator

Get an idea of how much you could borrow, based on your income and spending.

Repayment calculator

Work out how much you'd need to pay each month towards your mortgage.

Book an appointment

If you need help or support with an existing application, call us on 03450 505 062.

If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the 'book an appointment' button.

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