Finance for buy-to-let properties located in England, Wales and Scotland. Suitable for investment properties only.
- doneRates from 2.89%
- doneLTV up to 80%
- done5 year rates from 3.19%
- doneCompetitive ICR and stress rates
- doneCashback toward legal fees of £750 applied to all 5 Year Fixed products up to 75% LTV for standard properties. See Product Guideopen_in_newfor full detail and terms.
Choose property type
Choose borrower tier
For borrowers with:
- Defaults: 0 in last 60 months
- CCJs: 0 in last 60 months
- Missed mortgage/secured payments: 0 in last 36 months
- Unsecured arrears: No more than 2 in last 36 months
- Bankruptcy: No history of bankruptcy or IVA
Choose max LTV
(Year 1 / 2 / 3 / etc.)
1 You can repay up to 10% of the outstanding loan balance in any 12-month period (calculated by taking the balance at completion and each anniversary thereafter) without incurring an early repayment charge.Cashback toward legal fees of £750 applied to all 5 Year Fixed products up to 75% LTV for standard properties. See Product Guide for full detail and terms.
Interest coverage ratio and assessment rates
We use the gross RICS confirmed market rental income in ICR calculations.
|Applicant||Single properties||HMOs and MUFBs|
|Basic rate taxpayer (20%)||125%||130%|
|Limited company & LLP||125%||130%|
|Higher rate taxpayer (40%)||140%||145%|
|Additional rate taxpayer (45%)||140%||145%|
Download our Buy-to-Let lending criteria
Inside you’ll find all you need to know about our Buy-to-Let loans, including rates, fees and criteria.file_downloadDownload (PDF)