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Buy to let mortgages

Whether you’re looking for your first investment property or adding to your portfolio, browse our Buy To Let mortgage products – including mortgages for Ltd Companies – and use our affordability calculator to get an idea of how much you could borrow.

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Please scroll down for monthly payments by product.

This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist 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 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.

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.

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.

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
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: £363,478.26

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 4.9% representative APRC.

This example relates to the Buy to Let 3.49% 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 3.69% 4.70% APRC 75% 1.5% (£999 min)
£XXX.xx per month
See details
An example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £584.24 per month for 59 months, followed by £778.21 per month for 168 months.

Total amount payable: £358,784.03

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 4.7% representative APRC.

This example relates to the  Ltd Company Buy To Let 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 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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