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Buy to let

Whether you’re looking for your first investment property or adding to a portfolio, browse our Buy To Let, HMO, Limited Company & Holiday Let products.

Affordability calculator

Find out how much you can borrow with our affordability calculators.

Variable mortgages

The mortgages listed below move on to our Standard Variable Rate, 5.60% (variable), after the initial rate period.  Our SVR is increasing to 5.75% (variable) from 1st July 2022.

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 example3.45%2.15%5.5% APRC80%£999
£XXX.xx per month
See details

Representative example: A mortgage of £135,000 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £388.13 per month for 23 months, followed by £631.92 per month for 192 months.
Total amount payable: £266,609.63.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £255, product fee £999 and closing fee £100.
The overall cost for comparison is 5.5% representative APRC.
This example relates to the Buy to Let 3.45% variable for two years product. It is based on our current Standard Variable Rate of 5.60%, with no fees 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 example3.45%2.15%5.5% APRC75%£1,499
£XXX.xx per month
See details

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £388.13 per month for 23 months, followed by £631.92 per month for 192 months.
Total amount payable: £267,109.63.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £255, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.5% representative APRC.
This example relates to the Buy to Let 3.45% variable for two years product. It is based on our current Standard Variable Rate of 5.60%, with no fees added to the mortgage.

Please ask for a personalised illustration for your own particular requirements.

Holiday Let variable for 2 years See example4.20%1.40%5.6% APRC70%£1,499
£XXX.xx per month
See details

Representative example: A mortgage of £215,000.00 taken out for a period of 26 years on an interest only basis.
Monthly instalments: £752.50 per month for 23 months, followed by £1,007.07 per month for 288 months.
Total amount payable: £524,337.66.
Total amount of credit: £215,000.00.
The total amount payable includes valuation fee £395, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.6% representative APRC.
This example relates to the Holiday Let 4.20% variable for two years product. It is based on our current Standard Variable Rate of 5.60%, with no fees added to the mortgage.

Please ask for a personalised illustration for your own particular requirements.

Ltd Company Holiday Let variable for 2 years See example4.20%1.40%5.6% APRC70%£1,999
£XXX.xx per month
See details

Representative example: A mortgage of £245,000.00 taken out for a period of 25 years on an interest only basis.
Monthly instalments: £857.50 per month for 23 months, followed by £1,147.60 per month for 276 months.
Total amount payable: £583,954.10.
Total amount of credit: £245,000.00.
The total amount payable includes valuation fee £395, product fee £1,999 and closing fee £100.
The overall cost for comparison is 5.6% representative APRC.
This example relates to the Ltd Company Holiday Let 4.20% variable for two years product. It is based on our current Standard Variable Rate of 5.60%, with no fees added to the mortgage.

Please ask for a personalised illustration for your own particular requirements.

HMO variable for 2 years See example3.99%1.61%5.6% APRC75%£1,499
£XXX.xx per month
See details

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £448.88 per month for 23 months, followed by £632.23 per month for 192 months.
Total amount payable: £268,891.40.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £580, product fee £1,499 and closing fee £100.
The overall cost for comparison is 5.6% representative APRC.
This example relates to the HMO variable for two years product. It is based on our current Standard Variable Rate of 5.60%, with fees not added to the mortgage.

Please ask for a personalised illustration for your own particular requirements.

Ltd Company HMO variable for 2 years See example3.99%1.61%5.7% APRC70%£1,999
£XXX.xx per month
See details

Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis.
Monthly instalments: £448.88 per month for 23 months, followed by £632.23 per month for 192 months.
Total amount payable: £269,391.40.
Total amount of credit: £135,000.00.
The total amount payable includes valuation fee £580, product fee £1,999 and closing fee £100.
The overall cost for comparison is 5.7% representative APRC.
This example relates to the HMO variable for two years product. It is based on our current Standard Variable Rate of 5.60%, with fees not added to the mortgage.

Please ask for a personalised illustration for your own particular requirements.

Useful stuff

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