Notices

  • Family members can help support buyers by providing security for their mortgage, without gifting money.

    Borrow 100% of the property value with no deposit with the Family Mortgage.

  • Savings customers - interest rates on many of our variable rate savings products decreased on 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.

    We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

Buy to Let mortgage eligibility form

Find out how much you might be eligible to borrow with our Buy to Let mortgage eligibility form.

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

This Buy to Let mortgage eligibility form has been designed to help us provide you with an estimation of how much you might be eligible to borrow. An estimation does not reserve funds for any specific product.

A response will be emailed back to you, normally within one business day and is valid for the following 14 days.

Our Buy to Let mortgages

  • We accept applications up to the age of 89
  • The minimum property value we would consider is £120,000
  • Our minimum loan size is £45,000
  • Our maximum loan size is £1,000,000 for Repayment and Interest-Only loans - up to 75% LTV
  • You can view our lending terms for our Buy to Let mortgages.

 

Important

We must be satisfied that you are able to demonstrate a current track record (minimum 12 months) for either mortgage or rent payments. If you are not familiar with the lettings market and a landlord's responsibilities, a professional managing agent must be appointed for the letting. You must be either gainfully employed or have investment, pension or other income. Proof of income may be required.

Please note that the property to be mortgaged must be located in England or Wales. Most forms of Buy to Let mortgage are not regulated by the Financial Conduct Authority (FCA).

Any questions?

If you have any queries, please call our New Business Team on 03330 600 256.

* Indicates required information

 

Applicant 1

Are you an expat? *

Are you a Limited Company?*

Have you ever:

Applicant 2

Are you an expat? *

Are you a Limited Company?*

Have you ever:

Property details

Will the property be occupied by any of the borrowers or any of their family members? *

If you have answered yes to the above, we cannot consider for a Buy to Let mortgage
Will the property be let on an Assured Shorthold Tenancy (AST) agreement? *

Will the property be let to students, let on a tenancy with more than four named tenants or let to somebody with diplomatic immunity? *

If you have answered yes to the above, unfortunately we cannot consider
In the event of a rental void, could you afford to pay the mortgage for at least a 3 month period from your own income?

Is the property a Consumer Buy to Let? (i.e. Have you accidentally found yourself with a property to rent out – e.g. through an inheritance?) *

Note: Please be aware that if you are an expat, the mortgage will only be available on an Interest-Only basis, unless you are enquiring as a Limited Company.

 

 

Additional information

We use and retain details about you to respond to your enquiries, for research or analysis, and to check for mortgage eligibility. To find out more, you can read our privacy policy.