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.
Variable mortgages
| 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 | 3.10% | 1.80% | 4.8% APRC | 80% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £348.75 per month for 23 months, followed by £552.75 per month for 204 months. Total amount payable: £257,349.75 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £255, product fee £1,012.50, 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 3.10% 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. |
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| Ltd Company Buy To Let variable for 2 years See example | 3.10% | 1.80% | 4.90% APRC | 75% | 1.5% (£999 min) |
£XXX.xx
per month
See details
|
|
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £348.75 per month for 23 months, followed by £552.72 per month for 204 months. Total amount payable: £258,362.25 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £255, product fee £2,025, completion fee £75 and closing fee £100. The overall cost for comparison is 4.9% representative APRC. This example relates to the Buy to Let 3.10% 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. |
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| Holiday Let variable for 2 years See example | 3.50% | 1.40% | 4.90% APRC | 70% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
Representative example: A mortgage of £195,000 taken out for a period of 23 years on an interest only basis. Monthly instalments: £568.75 per month for 23 months, followed by £798.65 per month for 252 months. Total amount payable: £411,443.55 Total amount of credit: £195,000 The total amount payable includes administration fee £125, valuation fee £340, product fee £1,462.50, completion fee £75 and closing fee £100. The overall cost for comparison is 4.9% representative APRC. This example relates to the Holiday Let 3.50% 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. |
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| Ltd Company Holiday Let variable for 2 years See example | 3.50% | 1.40% | 5.0% APRC | 70% | 1.5% (£999 min) |
£XXX.xx
per month
See details
|
|
Representative example: A mortgage of £195,000 taken out for a period of 23 years on an interest only basis. Monthly instalments: £568.75 per month for 23 months, followed by £798.63 per month for 252 months. Total amount payable: £412,901.01 Total amount of credit: £195,000 The total amount payable includes administration fee £125, valuation fee £340, product fee £2,925, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the Ltd Company Holiday Let 3.50% 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. |
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| HMO variable for 2 years See example | 3.29% | 1.61% | 4.9% APRC | 75% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £370.13 per month for 23 months, followed by £552.84 per month for 204 months. Total amount payable: £258,184.85 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £580, product fee £1,012.50, completion fee £75 and closing fee £100. The overall cost for comparison is 4.9% representative APRC. This example relates to the HMO 3.29% 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. |
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| Ltd Company HMO variable for 2 years See example | 3.29% | 1.61% | 5.0% APRC | 70% | 1.50% (£999 min) |
£XXX.xx
per month
See details
|
|
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £370.13 per month for 23 months, followed by £552.84 per month for 204 months. Total amount payable: £259,197.35 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £580, product fee £2,025, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the HMO 3.29% 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. |
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Fixed rate 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 |
Overall cost for comparison i |
Max % LTV i |
Product fee i |
Mortgage repayment |
|
|---|---|---|---|---|---|---|
| Buy To Let fixed for 5 years See example | 3.69% | 4.7% APRC | 80% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £584.25 per month for 59 months, followed by £778.71 per month for 168 months. Total amount payable: £357,304.03 Total amount of credit: £190,000 The total amount payable includes administration fee £125, valuation fee £285, product fee £1,425, completion fee £75 and closing fee £100. The overall cost for comparison is 4.7% representative APRC. This example relates to the Buy to Let 3.69% 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. |
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| Buy To Let - fixed for 2 years See example | 3.49% | 4.9% APRC | 80% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
|
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| Ltd Company Buy To Let fixed for 5 years See example | 3.69% | 4.70% APRC | 75% | 1.5% (£999 min) |
£XXX.xx
per month
See details
|
|
|
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| Ltd Company Buy To Let fixed for 2 years See example | 3.49% | 5.0% APRC | 75% | 1.5% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £552.58 per month for 23 months, followed by £778.23 per month for 204 months. Total amount payable: £364,958.26 Total amount of credit: £190,000 The total amount payable includes administration fee £125, valuation fee £340, product fee £2,850, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the Buy to Let 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. |
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| Holiday Let fixed for 5 years See example | 4.09% | 4.80% APRC | 70% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £234,000 taken out for a period of 17 years on an interest only basis. Monthly instalments: £797.55 per month for 59 months, followed by £959.22 per month for 144 months. Total amount payable: £421,633.13 Total amount of credit: £234,000 The total amount payable includes administration fee £125, valuation fee £395, product fee £1,755, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the Holiday Let 4.09% 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. |
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| Holiday Let fixed for 2 years See example | 3.99% | 5.0% APRC | 70% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £215,000 taken out for a period of 20 years on an interest only basis. Monthly instalments: £714.88 per month for 23 months, followed by £880.95 per month for 216 months. Total amount payable: £424,034.94 Total amount of credit: £215,000 The total amount payable includes administration fee £125, valuation fee £395, product fee £1,612.50, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the Holiday Let 3.99% 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. |
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| Ltd Company Holiday Let fixed for 5 years See example | 4.09% | 4.90% APRC | 70% | 1.5% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £234,000 taken out for a period of 17 years on an interest only basis. Monthly instalments: £797.55 per month for 59 months, followed by £959.10 per month for 144 months. Total amount payable: £423,370.85 Total amount of credit: £234,000 The total amount payable includes administration fee £125, valuation fee £395, product fee £3,510, completion fee £75 and closing fee £100. The overall cost for comparison is 4.9% representative APRC. This example relates to the Holiday Let 4.09% 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. |
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| Ltd Company Holiday Let fixed for 2 years See example | 3.99% | 5.0% APRC | 70% | 1.5% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £215,000 taken out for a period of 20 years on an interest only basis. Monthly instalments: £714.88 per month for 23 months, followed by £880.91 per month for 216 months. Total amount payable: £425,638.80 Total amount of credit: £215,000 The total amount payable includes administration fee £125, valuation fee £395, product fee £3,225, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the Holiday Let 3.99% 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. |
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| HMO fixed for 2 years See example | 3.69% | 5.0% APRC | 75% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £415.13 per month for 23 months, followed by £553.05 per month for 204 months. Total amount payable: £259,262.69 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £580, product fee £1,012.50, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the HMO 3.69% 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. |
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| HMO fixed for 5 years See example | 3.89% | 4.8% APRC | 75% | 0.75% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £615.92 per month for 59 months, followed by £778.86 per month for 168 months. Total amount payable: £359,492.76 Total amount of credit: £190,000 The total amount payable includes administration fee £125, valuation fee £580, product fee £1,425, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the HMO 3.89% 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. |
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| Ltd Company HMO fixed for 5 years See example | 3.89% | 4.80% APRC | 70% | 1.50% (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £615.92 per month for 59 months, followed by £778.89 per month for 168 months. Total amount payable: £360,922.80. Total amount of credit: £190,000. The total amount payable includes administration fee £125, valuation fee £580, product fee £2,850, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the HMO 3.89% 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. |
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| Ltd Company HMO fixed for 2 years See example | 3.69% | 5.0% APRC | 70% | 1.50 (£999 min) |
£XXX.xx
per month
See details
|
|
|
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £415.13 per month for 23 months, followed by £553.05 per month for 204 months. Total amount payable: £260,275.19 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £580, product fee £2,025, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the HMO 3.69% 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. |
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Useful stuff
Mortgage Conditions
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Also in this section
- Finding the right mortgage
- Mortgage selection tool
- Mortgage affordability calculator
- Browse mortgages by customer type
- First time buyer
- Moving home
- Remortgaging
- Buy to let
- Browse mortgages by product type
- Buy for Uni / student mortgages
- Buy to let mortgages
- HMO mortgages
- Holiday let mortgages
- Retirement mortgages
- Rent a room mortgages
- Standard residential mortgages
- Shared ownership mortgages
- Self build mortgages
- Browse General Mortgage Information
- Joint Borrower Sole Proprietor
- Mortgages explained
- Mortgage conditions & explanations
- Mortgage conditions & explanations (Scotland)
- External stamp duty calculator
- Tariff of mortgage fees
- Guidance - cladding on flats
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- Mortgage valuation fees
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