A better way to buy to let

Take the stress out of borrowing with a fast and simple way to mortgage. 

A better way to buy to let

Take the stress out of borrowing with a fast and simple way to mortgage. 

Find the mortgage that’s right for you

We offer a range of mortgages for all types of buyers and home owners

Find the best mortgage for your new investment


Discover the best market rates for your SPV

HMO

Get a loan for an HMO of up to 6 bedrooms

Save money by switching to a new deal

Browse our buy to let rates

The mortgage calculations below are based on a loan amount of £150,000 with 75% LTV. For a personalised illustration, please visit our buy to let rates page.

2 Year Fixed

2.39%

Monthly payment
£299
Product fee
1.00%
£1,500

True cost

£8,670

5 Year Fixed

2.37%

Monthly payment
£296
Product fee
1.00%
£1,500

True cost

£19,275

Check your eligibility

Find out if you meet our full lending requirements before applying

Buy-to-let purchase or remortgage only

We don't yet offer residential mortgages or consumer Buy to Let.

Property must be in England or Wales

We don’t yet provide mortgages for properties in Scotland or NI.

60% to 80% Loan to Value (LTV)

We currently only lend up to 80% LTV, meaning you'll need a 20% deposit.

Special Purpose Vehicles (SPV) limited companies only

Must be a Real Estate SPV registered within England or Wales.

The SIC code must be one of the following:

64305, 64910, 68100, 68209, 68310, 68320. No other SIC codes will be accepted.

Maximum of 4 directors or shareholders

Each director or shareholder must provide a full personal guarantee.

Rest assured you’re in good hands

Your experience is at the heart of what we do.

+£600M

applications

Submitted in 2021
so far.

24/7

online access

Check in on your
application any time.

2 mins

Mortgage in Principle

See what you could borrow,
fast and for free.

Learn more about buy to let mortgages

Becoming a new landlord?

Do you know your AST from your EPC?  There’s plenty of technical terms that you might not be familiar with if you’re a new landlord (or even if you’re a seasoned pro). So we’ve put this handy guide together with the A-Z of being a landlord and some of the key terms you can expect to come across as you navigate the buy-to-let market. From deposits to client money protection and gross yields to unfurnished, here are the most important phrases you need to know when you’re a landlord. 

Investing in BTL for the first time?

Landlords would be forgiven for thinking buy-to-let investing is perhaps not as appealing as it used to be with the 3% stamp duty and removal of tax relief on mortgage interest rates. However, when done right, buy-to-let can still be a profitable venture where you earn short-term income while watching your investment grow in value in the long term. If you’re investing for the first time, you’ll need to know the best way to approach getting a buy-to-let, from how to find a property to what’s needed for a mortgage.

Is buy to let worth it?

Extra stamp duty costs have made it harder to purchase a buy-to-let, but it’s still one of the most popular investment types in the UK. After all, the saying ‘safe as houses’ was coined for a reason. If you’re thinking of getting a buy-to-let, should you take the plunge? We investigate with a look at the current market, including what landlords need to navigate, how to find the right property and everything else you should know. So read on and make an informed decision about if buy-to-let is worth it.

What is an initial rate?

The initial rate allows lenders to set specific interest charges over an agreed period on your mortgage. It’s also known as the initial term cost and is regulated by the Financial Conduct Authority (FCA). But what is its purpose and how does it affect your mortgage and the amount you pay every month? We’ve put this guide together detailing everything you need to know about the initial rate, what happens when it’s over and what you should do next to ensure you’ve got the best mortgage deal available.

Get a Mortgage in Principle

Find out how much you might be able to borrow from us.

It’s free

Getting your Mortgage in Principle is free and shows how much we are able to lend you.

It won’t affect your credit score

We make a “soft” check with our credit agency partners, wihch means the results won’t impact your credit score.

It takes under 2mins

Get your Mortgage in Principle in less than two minutes, straight from your computer or phone.