Notices

IMPORTANT: The last day of the 2025 / 2026 tax year is Sunday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 27 March until the morning of Tuesday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.
Savings customers - we have increased the interest rates on selected Fixed Rate Bonds and Fixed Rate ISAs. Find out more

The interest rates on our 1 and 2 Year Fixed Rate Bond and Fixed Rate ISA products have increased from 11 March 2026.
Important changes to our mortgage products - Find out more.

Mortgage products - On Friday 13 March 2026, we made changes to our mortgage product range. This included launching a new range of fixed rate products, across both our Owner Occupier and Buy to Let offerings, with options available for new and existing customers.
Managed Mortgage Rates - Please note that our Managed Mortgage Rates are not changing at this time.

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Individual Buy to Let mortgages

View all of our individual Buy to Let mortgage products available for purchase or remortgage.

The mortgage will be secured on your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Find all details of our individual Buy to Let mortgages available below if you're thinking about purchasing a new property or if you want to remortgage your existing property.

Most forms of Buy to Let mortgage are not regulated by the Financial Conduct Authority (FCA).

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Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits	Next steps
5.09% Expat 2 Year Fixed Rate to 30/06/2028 (XF1252)							Compare
5.09%	8.29%	8.2%APRC	Interest-Only	75%	2.00%~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 2% of the loan amount, subject to a minimum of £1,500 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.2% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.54% 2 Year Fixed Rate to 30/06/2028 (XF1244)							Compare
5.54%	8.29%	8.2%APRC	Interest-Only Repayment	75%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.2% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.59% Expat 2 Year Fixed Rate to 30/06/2028 (XF1251)							Compare
5.59%	8.29%	8.2%APRC	Interest-Only	75%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.2% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.74% Expat Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1255)							Compare
5.74%	8.29%	8.3%APRC	Interest-Only	75%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.3% APRC. Additional criteria: Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.74% HMO 2 Year Fixed Rate to 30/06/2028 (XF1246)							Compare
5.74%	8.29%	8.2%APRC	Interest-Only Repayment	75%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - HMO applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount ^Cashback - £0 Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.2% APRC. Additional criteria: HMO Specific Criteria - Properties with six, or fewer, lettable bedrooms with a maximum of six occupants will be considered. Not available for student lets and care homes. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.79% HMO Expat 2 Year Fixed Rate to 30/06/2028 (XF1254)							Compare
5.79%	8.29%	8.3%APRC	Interest-Only	75%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - HMO Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.3% APRC. Additional criteria: HMO Specific Criteria - Properties with six, or fewer, lettable bedrooms with a maximum of six occupants will be considered. Not available for student lets and care homes. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Individual Buy to Let mortgages

5.09% Expat 2 Year Fixed Rate to 30/06/2028 (XF1252)

Some key features of this mortgage

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5.54% 2 Year Fixed Rate to 30/06/2028 (XF1244)

Some key features of this mortgage

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5.59% Expat 2 Year Fixed Rate to 30/06/2028 (XF1251)

Some key features of this mortgage

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5.74% Expat Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1255)

Some key features of this mortgage

Take the next step:

5.74% HMO 2 Year Fixed Rate to 30/06/2028 (XF1246)

Some key features of this mortgage

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5.79% HMO Expat 2 Year Fixed Rate to 30/06/2028 (XF1254)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products