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Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 June 2025. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 June 2025 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

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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
5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)							Compare
5.34%	8.69%	7.7%APRC	Interest-Only Repayment	60%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/09/2030 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 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. 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% Expat 5 Year Fixed Rate to 30/09/2030 (XF1021)							Compare
5.34%	8.69%	7.8%APRC	Interest-Only	60%	1.00%~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info 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 Loan to Value - Maximum 60% Fixed Rate end date - 30/09/2030 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, subject to a minimum of £1,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 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 - 7.8% APRC. 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 Fixed Rate to 31/08/2027 (XF0990)							Compare
5.39%	8.69%	8.5%APRC	Interest-Only Repayment	60%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 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 - 8.5% APRC. 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
5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)							Compare
5.44%	8.69%	8.5%APRC	Interest-Only	60%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/08/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 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 - 8.5% APRC. 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
5.49% Expat 5 Year Fixed Rate to 30/09/2030 (XF1022)							Compare
5.49%	8.69%	7.9%APRC	Interest-Only	75%	1.00%~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info 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 Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 30/09/2030 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, subject to a minimum of £1,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 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. 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
5.49% 5 Year Fixed Rate to 30/09/2030 (XF0993)							Compare
5.49%	8.69%	7.8%APRC	Interest-Only Repayment	75%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 30/09/2030 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 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 - 7.8% APRC. 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
5.54% Expat 5 Year Fixed Rate to 30/09/2030 (XF1023)							Compare
5.54%	8.69%	7.9%APRC	Interest-Only	75%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 30/09/2030 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, subject to a minimum of £1,000 Early Repayment Charges - 5% until 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030 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. 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
5.54% 2 Year Fixed Rate to 31/08/2027 (XF0991)							Compare
5.54%	8.69%	8.5%APRC	Interest-Only Repayment	75%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 31/08/2027 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 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 - 8.5% APRC. 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
5.59% Expat 2 Year Fixed Rate to 31/08/2027 (XF1001)							Compare
5.59%	8.69%	8.5%APRC	Interest-Only	75%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70% Fixed Rate end date - 31/08/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/08/2026, 1% until 31/08/2027 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 - 8.5% APRC. 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.

Individual Buy to Let mortgages

5.34% 5 Year Fixed Rate to 30/09/2030 (XF0992)

Some key features of this mortgage

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5.34% Expat 5 Year Fixed Rate to 30/09/2030 (XF1021)

Some key features of this mortgage

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5.39% 2 Year Fixed Rate to 31/08/2027 (XF0990)

Some key features of this mortgage

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5.44% Expat 2 Year Fixed Rate to 31/08/2027 (XF1000)

Some key features of this mortgage

Take the next step:

5.49% Expat 5 Year Fixed Rate to 30/09/2030 (XF1022)

Some key features of this mortgage

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5.49% 5 Year Fixed Rate to 30/09/2030 (XF0993)

Some key features of this mortgage

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5.54% Expat 5 Year Fixed Rate to 30/09/2030 (XF1023)

Some key features of this mortgage

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5.54% 2 Year Fixed Rate to 31/08/2027 (XF0991)

Some key features of this mortgage

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5.59% Expat 2 Year Fixed Rate to 31/08/2027 (XF1001)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products