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Buy to Let / Let to Buy

Our buy to let mortgages are designed for customers who want to purchase property to let to tenants, and not live in the property itself.

Our buy to let mortgage range has a minimum loan value of £25,001 and a maximum loan value of £750,000.

Our let to buy mortgages are for the remortgage of a residential property to a Buy to Let. These products are only available through selected business partners.

One free valuation accepted per remortgage application, per customer, when using our recommended surveyors. 

Fees assisted standard legal fees for remortgages when you use our recommended solicitors. Remortgage applications for unencumbered properties are not eligible for this feature.

We do not offer mortgages on a consumer Buy to Let (BTL) basis.

Consumer BTL is a type of regulated business introduced by the EUMCD to provide enhanced protections where BTL customers are not acting for business purposes.

It is the responsibility of the mortgage intermediary to determine if a case is Consumer BTL.

Remortgage applications will be defined as Consumer BTL where any of the following apply:

  • The applicant does not own any properties that are being let out on a rental basis (the property being remortgaged is sufficient to meet this rule if it is currently let out)
  • The purpose of the loan is not wholly or predominantly for business purposes
  • The applicant or their relatives have lived in the property in the last 2 years and will not be residing in the property at any point in the future.