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Buy to let in the UK

To qualify for a buy-to-let mortgage, you’ll need to have an idea of how much rental income you’ll be able to achieve and you’ll typically need a deposit of at least 25% of the property price.

Sort mortgages by:

Mortgage product Initial deal Follow-on Overall cost for comparison Loan to value Min product fee
Rate Until Rate (variable)
2 year fixed rate
3.19% 31/10/2020 4.50% 4.4% APRC 65% 1,000
2 year fixed rate
3.48% 31/10/2020 4.50% 4.5% APRC 75% 1,000
5 year fixed rate
4.19% 31/10/2023 4.50% 4.6% APRC 65% 1,000
5 year fixed rate
4.49% 31/10/2023 4.50% 4.7% APRC 75% 1,000

Sort mortgages by:

Mortgage product Initial deal Follow-on Overall cost for comparison Loan to value Min product fee
Rate Tracks the Bank's Base Rate Until Rate (variable)
2 year tracker
3.49% +2.74% 31/10/2020 4.50% 4.5% APRC 65% 1,000
2 year tracker
3.69% +2.94% 31/10/2020 4.50% 4.5% APRC 75% 1,000

Representative Example - Fixed Rate

A mortgage of 200,000 payable over 25 years initially on a fixed rate for 2 years at 3.08% and then our variable rate of 4.50% for the remaining 23 years would require 24 monthly payments of 956.16 and 276 payments of 1,073.16. The total amount payable would be 326,299.44 made up of the loan amount of 200,000 plus interest of 126,299.44. A product fee of 1,500, a valuation fee of 255 and a CHAPS fee of 30 are also payable. The overall cost for comparison is 4.4% APRC representative.

All figures provided are for illustrative purpose only. This is not a formal quotation or a commitment to lend. This will be dependant on your financial situation, property value and the size of your deposit or equity.

You must currently own no more than 9 Buy to Let properties and your maximum borrowing amount cannot exceed 3.5 million.

Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Mortgages on UK properties may not be available to residents of all countries. Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.

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