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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.

You may also be interested in our Buy to Let offset Mortgage, which allows you to use your savings to reduce the interest charged on your mortgage.

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

6.14% 5 Year Fixed Rate to 28/02/2029 (XF0691)
6.14% 9.19% 8.3%APRC
  • Interest-Only
  • Repayment
 60% £999

Some key features of this mortgage

  • Purpose - Purchase, remortgage, further advance and product switch
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 28/02/2029
  • Application fee - £175 + Valuation Fee for purchase, remortgage. (£125 for further advance, £0, for switch)
  • 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 (Further advance and Product Switch) - £0
  • 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. (£0 for further advance and switch)
  • Early Repayment Charges - 5% until 28/02/2025, 4% until 28/02/2026, 3% until 28/02/2027, 2% until 29/02/2028, 1% until 28/02/2029
  • 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, remortgage, £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC

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6.29% 5 Year Fixed Rate to 28/02/2029 (XF0692)
6.29% 9.19% 8.4%APRC
  • Interest-Only
  • Repayment
 70% £999

Some key features of this mortgage

  • Purpose - Purchase, remortgage, further advance and product switch
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 28/02/2029
  • Application fee - £175 + Valuation Fee for purchase, remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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. (£0 for further advance and product switch)
  • Early Repayment Charges - 5% until 28/02/2025, 4% until 28/02/2026, 3% until 28/02/2027, 2% until 29/02/2028, 1% until 28/02/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.4% APRC

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6.29% Expat 5 Year Fixed Rate to 28/02/2029 (XF0695)
6.29% 9.19% 8.5%APRC
  • Interest-Only
 60% 1.00%^

Some key features of this mortgage

  • Purpose - Expat purchase, remortgage, product switch and further advance
  • 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. 
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 28/02/2029
  • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 
  • Legal fees - £100 minimum for further advances
  • ^Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch
  • Early Repayment Charges - 5% until 28/02/2025, 4% until 28/02/2026, 3% until 28/02/2027, 2% until 29/02/2028, 1% until 28/02/2029 
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.5% APRC

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6.39% Expat 5 Year Fixed Rate to 28/02/2029 (XF0696)
6.39% 9.19% 8.5%APRC
  • Interest-Only
 70% 1.00%~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat purchase, remortgage, product switch and further advance
  • 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. 
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 28/02/2029
  • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 
  • Legal fees - £100 minimum for further advances
  • ~Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 28/02/2025, 4% until 28/02/2026, 3% until 28/02/2027, 2% until 29/02/2028, 1% until 28/02/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.5% APRC

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

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7.04% (2.15% Discounted Rate from follow on rate) for 2 years (XD0202)
7.04% 9.19% 9.3%APRC
  • Interest-Only
  • Repayment
 60% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • Discount - 2.15% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.39% 
  • LTV - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • 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 (Further advance and Product Switch) - £0
  • 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.(£0 for further advance and switch)
  • Early Repayment Charges - 2% in the first year and 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 9.3% APRC

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7.19% (2.00% Discounted Rate from follow on rate) for 2 years (XD0203)
7.19% 9.19% 9.4%APRC
  • Interest-Only
  • Repayment
 70% £999~

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance 
  • Discount - 2.00% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.54% 
  • Loan to Value - Maximum 70%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property.
  • 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. See ‘more downloads’ for product switch and further advance fees. (£0 for further advance, £0 for switch)
  • 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. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges - 2% in the first year and 1% in the second year
  • Cost for comparison - 9.4% APRC

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7.39% Expat 1.80% Discounted Rate from follow on rate for 2 years (XD0206)
7.39% 9.19% 9.4%APRC
  • Interest-Only
 60% £999~

Some key features of this mortgage

 

  • Purpose - Expat purchase, remortgage, product switch and further advance 
  • Discount - 1.80% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.74% 
  • Loan to Value - Maximum 60%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase and Remortgage) - Full standard valuation fee scale applies.
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance, £0 for product switch)
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application.
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges - 2% in the first year and 1% in the second year
  • Cost for comparison - 9.4% APRC
  • Additional information: 
    Please refer to our lending criteria for a full list of countries currently considered for expat applications.                                                                                                                     
 

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7.49% Offset Mortgage 1.70% Discounted Rate from follow on rate for 2 years (XO0061)
7.49% 9.19% 9.4%APRC
  • Interest-Only
  • Repayment
 60% £999~
  • £100 cashback^
  • Payment reduction
  • Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or Payment reduction. Find out more about these options here
  • Discount - 1.70% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.84% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. 
  • 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 (Further advance and Product Switch) - £0
  • 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 loan amount. (£0 for further advance and switch)
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 9.4% APRC
  • Additional benefits:
     - ^Cashback     - £100 for purchase and remortgage
  • Early Repayment Charges - 2% in the first year and 1% in the second year
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account.

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

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7.54% Expat 1.65% Discounted Rate from follow on rate for 2 years (XD0207)
7.54% 9.19% 9.4%APRC
  • Interest-Only
 70% £999~

Some key features of this mortgage

  • Purpose - Expat Purchase, remortgage, product switch and further advance 
  • Discount - 1.65% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.89% 
  • Loan to Value - Maximum 70%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase and Remortgage) - Full standard valuation fee scale applies
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance, £0 for product switch)
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Early Repayment Charges - 2% in the first year and 1% in the second year
  • Cost for comparison - 9.4% APRC
  • Additional information: 
    Please refer to our lending criteria for a full list of countries currently considered for expat applications

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

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7.64% Offset Mortgage 1.55% Discounted Rate from follow on rate for 2 years (XO0062)
7.64% 9.19% 9.5%APRC
  • Interest-Only
  • Repayment
 70% £999~
  • £100 cashback^
  • Payment reduction
  • Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or Payment reduction. Find out more about these options here
  • Discount - 1.55% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.99% 
  • Loan to Value - Maximum 70%.
  • Application Fee - £175 + Valuation Fee. (£125 for further advance and £0 for product switch)
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. (£0 for further advance and switch)
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • Valuation Fees (Further advance and Product Switch) - £0
  • 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 loan amount. (£0 for further advance and £0 for product switch)
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 9.5% APRC
  • Additional benefits:
     - ^Cashback     - £100 for purchase and remortgage
  • Early Repayment Charges -  2% in the first year, 1% in the second year 
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account.

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

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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.