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Buy to let mortgages

Be the owner, buy to let

Buy to let mortgages explained

If you’re a landlord, or looking into being a landlord, and you want to buy a property to rent it out then a buy to let (BTL) mortgage is for you. Applying for this type of mortgage is a similar process to a residential mortgage application.

The buy to let process

1. Are you eligible and can you afford it?

We work out the amount you can borrow based on how much rent the property can achieve against the cost of the mortgage. These are our terms:

  • A minimum deposit amount that you can confirm using our mortgage rate finder tool
  • The property to be worth at least £150,000
  • Your borrowing to be less than £3.5 million
  • The maximum number of Buy to Let/ Investment Properties a customer can own, whether mortgaged or unencumbered, is 10 properties.

2. What are your responsibilities as a potential landlord?

You will need to understand technical terms as owners of the property like contracts for tenants, deposit protection and certificates for gas and electricity. These are all required terms to comprehend as landlords and will vary from the Channel Islands, to the Isle of Man and Gibraltar.

Buy to let mortgage options

We have a range of buy to let mortgages that allow you to choose between paying off either capital and interest, or interest only. These options also include either fixed rate or tracker mortgages, with a variety of different terms and interest rates.

Mortgage help and support

Take advantage of our mortgage resources which are here to help you better understand the process, the terms, and our available products.

Our home buying guide

A guide to help you understand the key steps to buying a home.

Jargon buster

Key terms and phrases you might come across.

Common questions

Our most frequently asked questions about mortgages.

Appointment checklist

Here's what you'll need to bring to your mortgage appointment.

Get in touch with our mortgage team

There's a few ways of getting in touch with us. To start, we'll run through some quick questions to make sure that you get the help you need, in the location you need it.

What can we help you with today?
Please tell us the nature of your mortgage query.
Where is the property located?

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Where is the property located?

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Where is the property located?

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

In what location are you looking at properties?

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Where is the property located?

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.