Notices

  • Online Service update - Due to essential maintenance, our Online Service will be unavailable from 8:30pm - 9:30pm this evening (Thursday 10 September). We apologise for any inconvenience this may cause.

  • Our new 1 Year Fixed Rate Bond (71) pays 4.88% Gross AER on balances of £10,000+. Apply online today.

  • Our Online Saver (12), pays 4.15% Gross AER on balances of £100+. Apply online today.

  • Due to significant increases in swap rates, we've temporarily withdrawn all of our fixed rate mortgage products from sale today, 4 September 2026, with immediate effect. For more information about swap rates and how they can affect mortgage pricing, see our A-Z Mortgage jargon buster.

    We recognise the importance of fixed rate options and are working to introduce a new range of fixed rate mortgage products as soon as it is possible.

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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

4.39% 2 Year Tracker Rate (0.64% above the BOE Bank Rate) (XT0019)
4.39% 8.29% 7.7%APRC
  • Interest-Only
  • Repayment
 75% 3.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.64%
  • Loan to Value - Maximum 75%
  • 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 - 3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • 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 - 7.7% APRC.
  • Additional criteria -

See full details for fee details, documents you'll need, and more.

Take the next step:

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4.44% 2 Year Tracker Rate Expat (0.69% above the BOE Bank Rate) (XT0023)
4.44% 8.29% 7.9%APRC
  • Interest-Only
 75% 3.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.69%
  • Loan to Value - Maximum 75%
  • 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 - 3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • 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 - 7.9% APRC.
  • Additional criteria -

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

5.34% 2 Year Tracker Rate (1.59% above the BOE Bank Rate) (XT0018)
5.34% 8.29% 8.0%APRC
  • Interest-Only
  • Repayment
 75% 1.00%~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.59% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.59%
  • Loan to Value - Maximum 75%
  • 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
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • 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 - 8.0% APRC.
  • Additional criteria -

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

5.39% 2 Year Tracker Rate Expat (1.64% above the BOE Bank Rate) (XT0022)
5.39% 8.29% 8.1%APRC
  • Interest-Only
 75% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.64%
  • Loan to Value - Maximum 75%
  • 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
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • 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 - 8.1% APRC.
  • Additional criteria -

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

Comparing two mortgage products

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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.