Residential buy to let mortgage

Apply for a residential buy to let mortgage online or by telephone

• Mortgages start from £25,000.
• You can choose a mortgage term from 3 to 25 years.
• We can lend up to 70% of the value of the property, and in some cases more.
• Base rate linked and fixed rates are available.
• For a base rate linked mortgage you can apply for a capital repayment holiday of up to 12 months (to be taken at the start of the loan).
• If you choose a fixed rate, your repayments will remain the same even if base rate rises or falls. 
• If you repay part or all of your fixed rate mortgage before the end of the agreed term there may be an early repayment charge. There is no early repayment charge for base rate linked loans.
• If you wish to borrow on other terms we may still be able to help you.

Tell us about your plans and needs, and we will then agree the interest rate with you. An arrangement fee, security and valuation charges will apply.

For interest only, the actual amount borrowed doesn't reduce during the life of the mortgage so you need to repay the full capital amount at the end of the mortgage term.

If you choose a fixed rate mortgage and close before the end of the agreed term there will be a fee.

All loans are subject to status and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay.

We will require a first legal charge over the property as security. This means if you are remortgaging an existing property, any loan secured on it must normally be repaid before completion.

Any property given as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it. All loans are subject to status and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay.