Broker Cases

Buy to Let mortgages

Please note: Our mortgage products are temporarily unavailable as we manage our current application volume while maintaining service standards. We’ll reintroduce our full range once we’ve caught up with existing applications, please check back for updates.

Whether your client is looking for their first investment property, or adding to a portfolio, browse our Buy to Let mortgage range, including Limited Company products, to get a good idea of how much they can borrow. Please note our Limited Company Buy To Let mortgages are not currently available for Intermediaries.

Affordability calculator

Find out how much your client can borrow with our affordability calculators.

Find out more

Loan:	Size: Minimum £50,000, Maximum £500,000 at 80% and up to £1,500,000 at 75%. Term: Minimum 5 years, Maximum 40 years. Repayment Type: Capital Repayment, Interest Only.
Property:	Must be standard construction. New build flats may be considered. Must be in England, Wales or Mainland Scotland, Shetland, Orkney, Arran, Bute, Skye, Harris & Lewis, Mull and Islay.
All applicants:	Must be UK residents. Minimum age 21. No maximum age, subject to income in retirement.
Income:	Household income must be at least £20,000.
Rental:	The calculation is based on the actual or expected rental. Rent must cover 125% of the ‘stressed mortgage payments’ for basic rate tax payers, or 145% for higher rate tax payers. The stressed mortgage payment is based on the product rate +2% or 5.5% whichever is higher.
Underwriting:	We take a flexible approach to underwriting and will consider each case on its merits. We do not credit score. The actual rate and APRC for your case will depend on your circumstances and our assessment of the risk.

Loan:

Size: Minimum £50,000, Maximum £500,000 at 80% and up to £1,500,000 at 75%.
Term: Minimum 5 years, Maximum 40 years.
Repayment Type: Capital Repayment, Interest Only.

Property:

Must be standard construction.
New build flats may be considered. Must be in England, Wales or Mainland Scotland, Shetland, Orkney, Arran, Bute, Skye, Harris & Lewis, Mull and Islay.

All applicants:

Must be UK residents. Minimum age 21. No maximum age, subject to income in retirement.

Income:

Household income must be at least £20,000.

Rental:

The calculation is based on the actual or expected rental. Rent must cover 125% of the ‘stressed mortgage payments’ for basic rate tax payers, or 145% for higher rate tax payers. The stressed mortgage payment is based on the product rate +2% or 5.5% whichever is higher.

Underwriting:

We take a flexible approach to underwriting and will consider each case on its merits. We do not credit score. The actual rate and APRC for your case will depend on your circumstances and our assessment of the risk.

What our Intermediaries are saying

“Helpful and flexible criteria. ”

Craig, Roberts McBain

“The BDM was knowledgeable and insightful.”

Gail, Mortgage Sure Ltd

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

Emma. G3 Mortgages

“Bath seem to have a good policy on adverse credit and rent a room products.”

John, Virtue Financial

“Lovely little lender, able to help when the big boys can't.”

Andy, Together FSL

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

Clark, Wiser Mortgage Advice

Buy to Let mortgages

Lending Criteria and Information

What our Intermediaries are saying

“Helpful and flexible criteria. ”

“The BDM was knowledgeable and insightful.”

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

“Bath seem to have a good policy on adverse credit and rent a room products.”

“Lovely little lender, able to help when the big boys can't.”

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

How to apply

Contact us

Mortgage products withdrawal

Professional Intermediaries