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Buy to Let Mortgages

If you want to borrow money to buy a house to rent out, you'll need a Buy to Let mortgage.

We've got a wide range of options to choose from, including Fixed Rate products. These are available for house purchases or for customers remortgaging from another lender.

With our Fixed Rate mortgages, your repayments will stay the same during the fixed term period, helping you to plan ahead..

See our current Buy to Let Fixed Rate products and terms in the tabs for more information.

If you’re not sure about how much you can borrow, our Buy to Let calculator will help provide an estimate.

We don’t offer an advised service for Buy to Let mortgages, so you’ll need to make your own choice about which mortgage is suitable for you. This means we won’t assess the suitability of the mortgage you choose to your needs and circumstances. If you’d like support with your application, please contact us.

At least one applicant must be an existing residential homeowner occupier, living with a residential homeowner occupier, or living in accommodation tied to their employment.

Please note that applications from landlords with four or more mortgaged rental properties (Portfolio Landlords) can only be accepted through an independent financial adviser (IFA) or mortgage broker.

Your rental property could be repossessed or a receiver of rent appointed, if you don't keep up your mortgage repayments.

Legal Assisted 2 Year Buy to Let Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/03/2027Then the Society's BTL Variable Rate less 1.00% discount up to and inc. 31/03/2030, (currently)Then the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.51% 7.54%8.54%8.0%60%£1499 View
Max loan amount £1,000,000
4.51% 7.54%8.54%8.0%60%£1499 View
Max loan amount £1,000,000 / Min loan amount £50,000 / £250 Cashback upon completion
4.64% 7.54%8.54%8.0%60%£999 View
Max loan amount £1,000,000
4.64% 7.54%8.54%8.0%60%£999 View
Max loan amount £1,000,000 / Min loan amount £50,000 / £250 Cashback upon completion
4.95% 7.54%8.54%8.0%60%£0 View
Max loan amount £1,000,000
4.95% 7.54%8.54%8.0%60%£0 View
Max loan amount £1,000,000 / Min loan amount £50,000 / £250 Cashback upon completion
5.04% 7.54%8.54%8.0%70%£0 View
Max loan amount £1,000,000
5.49% 7.54%8.54%8.2%75%£999 View
Max loan amount £750,000

Legal Assisted 5 Year Buy to Let Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/03/2030Then the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.49% 8.54%7.3%60%£0 View
Max loan amount £1,000,000
4.74% 8.54%7.4%70%£0 View
Max loan amount £1,000,000
5.52% 8.54%7.7%75%£0 View
Max loan amount £750,000
RATES CORRECT AS AT 19 november 2024

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 2 years at 5.49% and then a 1% discount on our current Buy to Let Variable Rate of 8.54% giving a rate of 7.54% for 3 years and then on our current Buy to Let Variable Rate of 8.54% for the remaining 20 years would require 24 monthly payments of £823.50, 36 monthly payments of £1131 and 240 monthly payments of £1281.00.

The total amount payable would be £548,954.00 made up of the loan amount plus interest of £367,920.00 and application fee £0, product fee £999, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 8.2% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This representative example has been calculated on an interest only basis. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender.
  • A product fee is payable on application (where applicable) but is refundable should the mortgage not complete.
  • A mortgage exit fee of £199 will apply.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • When you're applying for an interest only mortgage, please be aware that you'll need to have a credible repayment strategy in place to pay off the loan and any interest accrued under the mortgage at the end of the term.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • Buy to Let mortgages which are for business purposes are exempt from FCA Rules.

For more detail about specific products, visit the links in the table above.

Our mortgage calculators

Affordability calculator

Get an idea of how much you could borrow, based on your income and spending.

Repayment calculator

Work out how much you'd need to pay each month towards your mortgage.

Book an appointment

If you need help or support with an existing application, call us on 03450 50 50 62.

If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the 'book an appointment' button.

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