Notices

Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 6pm on Sunday 5 April to midnight on Monday 6 April. We apologise for any inconvenience this may cause.
Important changes to our mortgage products - Find out more.

Mortgage products - On Thursday 26 March 2026, we've relaunched our Owner Occupier and Buy to Let fixed rate products, and reintroduced more 5-year fixed rates back on sale, with options available for new and existing customers.
Managed Mortgage Rates - Please note that our Managed Mortgage Rates are not changing at this time.
Annual General Meeting 2026. Find out more

We're pleased to let you know that voting for the AGM is now open. If you've opted for a postal pack you should receive this by 1 April.
IMPORTANT: The last day of the 2025 / 2026 tax year is Sunday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 27 March until the morning of Tuesday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.
Savings customers - we have increased the interest rates on selected Fixed Rate Bonds and Fixed Rate ISAs. Find out more

The interest rates on our 1 and 2 Year Fixed Rate Bond and Fixed Rate ISA products have increased from 25 March 2026.

BTL-indiv-Further-Advance-994x437pi-150dpi

Individual Buy to Let mortgages for additional borrowing

See all of our current individual Buy to Let mortgage products available for additional borrowing.

The mortgage will be secured on your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Individual Buy to Let mortgage products available for additional borrowing

All of these Buy to Let mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.

The minimum further advance we will consider is £2,000. Most forms of Buy to Let mortgage are not regulated by the Financial Conduct Authority (FCA).

This information should be read in conjunction with the 'Getting a Mortgage: what you need to know' guide, which provides important information about our mortgage services.

Any questions?

If you have any questions and are unsure what mortgage product would be suitable for you you can arrange an appointment or speak to a customer representative. You can get in touch the following ways:

Call us on 03330 140146 Ask us to call back Email us

Filter:

Sort:

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Next steps
5.39% (2.90% discounted rate from follow on rate) for 2 years (XD0227)						Compare
5.39%	8.29%	8.0%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Discount - 2.90% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 3.64% Loan to Value - 75% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.0% 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
5.69% Ltd Co (2.60% discounted rate from follow on rate) for 2 years (XD0228)						Compare
5.69%	8.29%	8.1%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 3.94% Loan to Value - 75% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.1% 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
5.74% Expat (2.55% discounted rate from follow on rate) for 2 years (XD0229)						Compare
5.74%	8.29%	8.1%APRC	Interest-Only	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Discount - 2.55% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 3.99% Loan to Value - 75% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.1% 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
6.34% 2 Year Fixed Rate to 31/08/2028 (XF1265)						Compare
6.34%	8.29%	8.1%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/08/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.1% 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
6.64% Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1270)						Compare
6.64%	8.29%	8.3%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/08/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% 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
6.69% Expat 2 Year Fixed Rate to 31/08/2028 (XF1275)						Compare
6.69%	8.29%	8.3%APRC	Interest-Only	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/08/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/08/2027, 1% until 31/08/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% 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


Product	DYNAMIC	DYNAMIC
Initial interest rate	DYNAMIC	DYNAMIC
Current follow on rate	DYNAMIC	DYNAMIC
Overall cost for comparison	DYNAMIC	DYNAMIC
Repayment or Interest-Only?	DYNAMIC	DYNAMIC
Max % loan to value (LTV)	DYNAMIC	DYNAMIC
Product fees	DYNAMIC	DYNAMIC
Additional benefits	DYNAMIC	DYNAMIC

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 for additional borrowing

Individual Buy to Let mortgage products available for additional borrowing

Any questions?

5.39% (2.90% discounted rate from follow on rate) for 2 years (XD0227)

Some key features of this mortgage

Take the next step:

5.69% Ltd Co (2.60% discounted rate from follow on rate) for 2 years (XD0228)

Some key features of this mortgage

Take the next step:

5.74% Expat (2.55% discounted rate from follow on rate) for 2 years (XD0229)

Some key features of this mortgage

Take the next step:

6.34% 2 Year Fixed Rate to 31/08/2028 (XF1265)

Some key features of this mortgage

Take the next step:

6.64% Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1270)

Some key features of this mortgage

Take the next step:

6.69% Expat 2 Year Fixed Rate to 31/08/2028 (XF1275)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products