Notices
  • Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products. You can still apply for these products by post or in branch. All savings products will be available to apply online from 12 May. We apologise for any inconvenience this may cause.

  • Savings customers: Your 2024 / 2025 Annual Interest Savings Summary are currently being processed and are due to be delivered by 30 April 2025.
  • We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.  

    Our new Online Service will have a modern design, improved navigation and many added benefits.  

    Find out more about the changes

  • Mortgage products - On Wednesday 23 April, we made changes to our mortgage product range. These include rate adjustments across our fixed rate products, and an increase to our Owner Occupier Joint Borrower Sole Proprietor maximum LTV to up to 90% (with no additional security required) for loans up to £500,000.
  • Online Service update. Due to planned essential maintenance our Online Service will be unavailable from 6pm until 12am on Wednesday 7 May. Our Online Service will also be unavailable between 5.30pm on Friday 9 May until 9am on Monday 12 May. We apologise for any inconvenience this may cause.

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.