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

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.
Holiday Let variable for 2 years See example	3.50%	1.40%	4.90% APRC	75%	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.
Ltd Company Holiday Let variable for 2 years See example	3.50%	1.40%	5.0% APRC	75%	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.
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.
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.

Fixed rate mortgages

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 £200,000 taken out for a period of 23 years on an interest only basis. Monthly instalments: £531.67 per month for 59 months, followed by £819.05 per month for 216 months. Total amount payable: £409,867.33. Total amount of credit: £200,00.00. The total amount payable includes administration fee £125, valuation fee £285, 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 £130,000 taken out for a period of 18 years on an interest only basis. Monthly instalments: £323.92 per month for 23 months, followed by £532.19 per month for 192 months. Total amount payable: £241,184.64 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 2.99% 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 £200,000.00 taken out for a period of 23 years on an interest only basis. Monthly instalments: £531.67 per month for 59 months, followed by £819.05 per month for 216 months. Total amount payable: £410,422.33 Total amount of credit: £200,000.00 The total amount payable includes administration fee £125, valuation fee £340, 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 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 £130,000 taken out for a period of 18 years on an interest only basis. Monthly instalments: £323.92 per month for 23 months, followed by £532.19 per month for 192 months. Total amount payable: £241,485.64. Total amount of credit: £130,000.00. The total amount payable includes administration fee £125, valuation fee £285, product fee £1,300, 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.
Holiday Let fixed for 2 years See example	3.99%	5.0% APRC	75%	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.
Ltd Company Holiday Let fixed for 5 years See example	4.09%	4.90% APRC	75%	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.
Ltd Company Holiday Let fixed for 2 years See example	3.99%	5.0% APRC	75%	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.
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.
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.
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.
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.

Useful stuff

Also in this section