• Homes for Ukraine - important information can be found here.

  • Rate changes following Bank of England decision to raise its Bank Rate to 1.25% on 16 June.

    the majority of our variable savings rates have been increased from 24 June. Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 July. (Updated 1 July.)

    Mortgages: our variable mortgage rates will increase and we are in the process of writing to affected customers with details of their revised payments, interest rate and effective date. Product rates now shown on the website reflect this increase. (Updated 1 July.)

Consumer or professional Buy to Let

Due to mortgage regulations, you'll need to apply for a Buy to Let mortgage as a consumer or professional. So what's the difference?

Consumer Buy to Let

A Consumer Buy to Let applicant is sometimes described as an accidental landlord. For example, if you inherited a property and wanted to rent it out instead of selling it, or you moved into the house and wanted to keep one of your properties to rent out.

Consumer Buy to Let mortgages are supervised by the FCA and regulated by HM Treasury.

See our range of individual Buy to Let mortgage products available for purchase and remortgage:

Individual Buy to Let mortgages  Individual Buy to Let Offset mortgages

Professional Buy to Let

A Professional Buy to Let application is used when the property is being used as a rental business. For example;

  • if you were to take out a Buy to Let mortgage to purchase a property with the intention of renting it out;
  • if you have previously bought a property to let out and neither yourself nor a relative has lived there;
  • if you already own a property that you have let out on the basis of rental agreement.

Professional Buy to Let mortgages are unregulated.

We have mortgages for Professionals who will own the property in either their personal names(s) or as a Limited company. 

See our range of Buy to Let mortgage products for Professionals, available for purchase and remortgage:

Individual Buy to Let mortgages   Individual Buy to Let Offset mortgages Limited company Buy to Let mortgages 

How will this affect your application?

We will determine whether you're a consumer or professional applicant based on your application form and may need to ask you a few more questions on the phone when you speak to us.

If you have any questions, you can contact our friendly New Business Team:

Ask us to call back   Email us

Buy to Let guide

If you’re thinking of becoming a landlord or expanding your portfolio of properties, there are a number of things to consider. Our short Buy to Let guide can help get you started.

Buy to Let lending criteria

Find out more information about what we will and won't accept for a Buy to Let mortgage.

Expat Buy to Let mortgages

We accept mortgages from expats in over 40 countries and lend to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency.