Buy to Let mortgages

Whether your client is looking for their first investment property or adding to a portfolio, browse our Buy To Let mortgage products – including products for Ltd Companies – to get a good idea of how much they can borrow.

Variable mortgages

The mortgages listed below move on to our Standard Variable Rate, currently 4.9% (variable), after the initial rate period. There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.

Product name	Initial rate i	Discount from SVR i	Overall cost for comparison i	Max % LTV i	Product fee i	Mortgage repayment
Buy To Let variable for 2 years See example	2.75%	2.15%	4.8% APRC	80%	£999	£XXX.xx per month See details
Representative example: A mortgage of £130,000 taken out for a period of 18 years on an interest only basis. Monthly instalments: £297.92 per month for 23 months, followed by £532.07 per month for 192 months. Total amount payable: £240,563.60 Total amount of credit: £130,000.00 The total amount payable includes administration fee £125, valuation fee £255, product fee £999, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the Buy to Let 2.75% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Ltd Company Buy To Let variable for 2 years See example	2.75%	2.15%	4.80% APRC	75%	1% (£999 min, £1,499 max)	£XXX.xx per month See details
Representative example: A mortgage of £130,000 taken out for a period of 18 years on an interest only basis. Monthly instalments: £297.92 per month for 23 months, followed by £532.07 per month for 192 months. Total amount payable: £240,864.60 Total amount of credit: £130,000 The total amount payable includes administration fee £125, valuation fee £255, product fee £1,300.00, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the Buy to Let 2.75% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate, currently 4.9% (variable), after the initial rate period.

Product name	Initial rate i	Overall cost for comparison i	Max % LTV i	Product fee i	Mortgage repayment
Buy To Let fixed for 5 years See example	3.19%	4.50% APRC	80%	£999	£XXX.xx per month See details
Representative example: A mortgage of £460,000.00 taken out for a period of 25 years on an interest only basis. Monthly instalments: £1,222.83 per month for 59 months, followed by £1,883.73 per month for 240 months. Total amount payable: £986,051.17. Total amount of credit: £460,000.00. The total amount payable includes administration fee £125, valuation fee £510, product fee £999 completion fee £75 and closing fee £100. The overall cost for comparison is 4.5% representative APRC. This example relates to the Buy to Let 3.19% fixed for five years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Buy To Let - fixed for 2 years See example	2.99%	4.80% APRC	80%	£999	£XXX.xx per month See details
Representative example: A mortgage of £460,000.00 taken out for a period of 25 years on an interest only basis. Monthly instalments: £1,146.17 per month for 23 months, followed by £1883.11 per month for 276 months. Total amount payable: £1,007,909.27. Total amount of credit: £460,000.00. The total amount payable includes administration fee £125, valuation fee £510, product fee £999, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the Buy to Let 2.99% fixed for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Ltd Company Buy To Let fixed for 5 years See example	3.19%	4.50% APRC	75%	1% (min £999 max £1,499)	£XXX.xx per month See details
Representative example: A mortgage of £460,000.00 taken out for a period of 25 years on an interest only basis. Monthly instalments: £1,222.83 per month for 59 months, followed by £1,883.81 per month for 240 months. Total amount payable: £986,620.37. Total amount of credit: £460,000.00. The total amount payable includes administration fee £125, valuation fee £560, product fee £1,499, completion fee £75 and closing fee £100. The overall cost for comparison is 4.5% representative APRC. This example relates to the Buy to Let Ltd Co 3.19% fixed for five years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Ltd Company Buy To Let fixed for 2 years See example	2.99%	4.80% APRC	75%	1% (£999 min, £1,499 max)	£XXX.xx per month See details
Representative example: A mortgage of £460,000.00 taken out for a period of 25 years on an interest only basis. Monthly instalments: £1,146.17 per month for 23 months, followed by £1,883.02 per month for 276 months. Total amount payable: £1,008,434.43. Total amount of credit: £460,000.00. The total amount payable includes administration fee £125, valuation fee £560, product fee £1,499, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the Buy to Let Ltd Co 2.99% fixed for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

This section is for use by professional Intermediaries only. If you are a customer please visit our Mortgage section.