Buy to Let Mortgages

Buy to let mortgages for different types of landlords.

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Explore our Buy to Let mortgages.

Whether you're new to Buy to Let or have experience as a landlord, we're here to help you explore your mortgage options with confidence.

Our range of Buy to Let mortgages is designed to support landlords with different circumstances and goals, helping you find an option that's right for you.

Buy to Let mortgages options landlords

Our Buy to Let mortgage range may be suitable for:

First-time Buy to Let landlords
For those taking their first steps in property investment and buying their first rental property

Limited Company Buy to Let Mortgages
For landlords purchasing or remortgaging a rental property through a limited company established as a Special Purpose Vehicle (SPV).

Holiday Let Mortgages
Suitable for furnished holiday let properties and short-term rental investments.

Limited Company Holiday Let Mortgages
For landlords looking to buy or remortgage a holiday let through a limited company established as a Special Purpose Vehicle (SPV).

Expat Buy to Let Mortgages
For UK nationals living abroad who want to invest in UK property.

Portfolio Landlords
We also consider applications from portfolio landlords across selected Buy to Let mortgages, subject to lending criteria.

Explore our Buy to Let mortgages, or speak to our mortgage advisers if you'd like help finding the right Buy to Let mortgage for your needs.

Frequently asked questions

What deposit do I need for a Buy to Let mortgage?

Deposit requirements can vary depending on the property type, borrower circumstances and mortgage selected.

Can I apply through a limited company?

Yes, we offer mortgage options for landlords buying or remortgaging a property through a limited company established as Special Purpose Vehicle (SPV), subject to lending criteria.

Do you accept applications from portfolio landlords?

We consider applications from portfolio landlords across selected Buy to Let mortgage products, subject to eligibility and lending criteria.

Are holiday let mortgages different from standard Buy to Let mortgages?

Holiday let mortgages are designed for properties rented on a short-term basis, such as an Airbnb, and may be assessed differently from standard Buy to Let properties.

Need a little help?

Our team of mortgage advisers are on hand to explain your options, discuss eligibility, and answer your questions in clear, straightforward terms. Book an appointment or call us on 0345 601 3344.

Which mortgage is right for you?

2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.59%	7.39%	7.3% APRC	90%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

2 Year Fixed Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.44%	7.39%	7.3% APRC	80%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Mortgage - Existing mortgage customers

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	7.39%	6.8% APRC	80%	£0	£0	£400	£0	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.74%	7.39%	7.1% APRC	80%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

2 Year Discounted Variable Rate Mortgage - No ERC

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.99%	7.39%	7.2% APRC	80%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

2 Year Discounted Variable Rate Mortgage (1)

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.09%	7.39%	7.2% APRC	90%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Low Deposit 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.79%	7.39%	7.3% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Low Deposit 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	7.39%	7.0% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Low Deposit 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.34%	7.39%	7.2% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Shared Ownership 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.79%	7.39%	7.3% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Shared Ownership 5 Year Fixed Rate Mortgage - Existing mortgage customers

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.0% APRC	95%	£0	£0	£200	£0	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Shared Ownership 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.09%	7.39%	7.2% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Interest Only 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.44%	7.39%	7.4% APRC	70%	£0	£0	£400	£1999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Interest Only 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	7.39%	7.1% APRC	70%	£0	£0	£400	£1999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Interest Only 2 Year Discounted Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.74%	7.39%	7.3% APRC	70%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two

Interest Only 2 Year Discounted Rate Mortgage - NO ERC

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.99%	7.39%	7.4% APRC	70%	£0	£0	£0	£1999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Credit Assist Mortgage - 2 Year Fixed Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.74%	7.39%	7.4% APRC	85%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage 3 Year Discounted Variable Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.34%	7.39%	7.1% APRC	85%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Credit Assist 3 Year Discounted Variable Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	8.44%	8.0% APRC	80%	£0	£	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Credit Assist 5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	8.44%	7.5% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Credit Assist Extra Mortgage - 2 Year Fixed Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.4% APRC	70%	£0	£	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	7.39%	7.3% APRC	70%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Help to Buy 2 Year Fixed Rate Mortgage - Existing mortgage customers

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	7.39%	7.3% APRC	75%	£0	£0	£200	£0	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Help to Buy 2 Year Discounted Variable Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.84%	7.39%	7.1% APRC	75%	£0	£0	£0	£299	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

2 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	8.44%	8.2% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.64%	8.44%	7.4% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.24%	8.44%	8.1% APRC	80%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Holiday Let 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.69%	8.44%	7.4% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Holiday Let 2 Year Discounted Variable Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.99%	8.44%	8.0% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

Expat 5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Expat 2 Year Discounted Variable Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.14%	8.44%	8.1% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

Retirement Interest Only Variable Rate Mortgage

Rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.19%	Not applicable	5.4% APRC	55%	£0	£0	£0	£500	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.68%	8.44%	7.4% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Retirement Interest Only 5 Year Fixed Rate Mortgage

Initial rate	RIO variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.88%	5.19%	5.6% APRC	55%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.0% APRC	98%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	7.39%	7.4% APRC	98%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.69%	7.39%	6.9% APRC	90%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

5 Year Fixed Rate Limited Company Holiday Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.78%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Buy to Let Guides

More guides for borrowers

for borrowersOur Expat Buy to Let Mortgages

for borrowersMaking it simple; applying for a mortgage

Mortgage Glossary

More guides for borrowers

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Buy to Let Mortgages

Book an appointment today

Explore our Buy to Let mortgages.

Buy to Let mortgages options landlords

Frequently asked questions

Need a little help?

Which mortgage is right for you?

Results

2 Year Fixed Rate Mortgage

2 Year Fixed Rate Mortgage - 80% LTV

5 Year Fixed Rate Mortgage - Existing mortgage customers

2 Year Discounted Variable Rate Mortgage - 80% LTV

2 Year Discounted Variable Rate Mortgage - No ERC

2 Year Discounted Variable Rate Mortgage (1)

Low Deposit 2 Year Fixed Rate Mortgage

Low Deposit 5 Year Fixed Rate Mortgage

Low Deposit 2 Year Discounted Variable Rate Mortgage - No ERCs

Shared Ownership 2 Year Fixed Rate Mortgage

Shared Ownership 5 Year Fixed Rate Mortgage - Existing mortgage customers

Shared Ownership 2 Year Discounted Variable Rate Mortgage - No ERCs

Interest Only 2 Year Fixed Rate Mortgage

Interest Only 5 Year Fixed Rate Mortgage

Interest Only 2 Year Discounted Rate Mortgage

Interest Only 2 Year Discounted Rate Mortgage - NO ERC

Credit Assist Mortgage - 2 Year Fixed Rate

Credit Assist Mortgage 3 Year Discounted Variable Rate

Credit Assist 3 Year Discounted Variable Rate Buy to Let Mortgage

Credit Assist 5 Year Fixed Rate Buy to Let Mortgage

Credit Assist Extra Mortgage - 2 Year Fixed Rate

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Help to Buy 2 Year Fixed Rate Mortgage - Existing mortgage customers

Help to Buy 2 Year Discounted Variable Rate Mortgage

2 Year Fixed Rate Buy to Let Mortgage

5 Year Fixed Rate Buy to Let Mortgage

2 Year Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Holiday Let 5 Year Fixed Rate Mortgage

Holiday Let 2 Year Discounted Variable Rate Mortgage

Expat 5 Year Fixed Rate Buy to Let Mortgage

Expat 2 Year Discounted Variable Rate Buy to Let Mortgage

Retirement Interest Only Variable Rate Mortgage

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Retirement Interest Only 5 Year Fixed Rate Mortgage

First Step 5 Year Fixed Rate Mortgage

First Step 2 Year Fixed Rate Mortgage

5 Year Fixed Rate Mortgage

5 Year Fixed Rate Limited Company Holiday Let Mortgage

Buy to Let Guides

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