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Buy to Let

Looking to let out a property? We've got your questions covered with our helpful guide, so that you can feel more confident.

What is a Buy to Let mortgage?

A Buy to Let mortgage is like a Residential one, you still buy a property. The difference is that you’re buying a property to rent to others, instead of living in it yourself. However, there are three key differences:

  • The amount you can borrow with a Buy to Let mortgage will depend on certain criteria, such as how much rent you expect to get from the property
  • You generally need a bigger deposit with a Buy to Let mortgage and interest rates tend to be higher than a residential mortgage
  • Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

Frequently asked questions

Steps to getting a mortgage with us

Step 1

What you could borrow

Find out how much you could borrow and your estimated monthly payments.

Step 2

Compare our products

We have a range of different types of Buy to Let mortgages. See which one could suit you.

Step 3

Get your Decision in Principle

Book a non-advised appointment with a member of our mortgage team to get your Decision in Principle.

What we offer

We do not provide advice for our Buy to Let mortgages.

Applying through us

There are some mortgages you can apply for directly through us. These are:

Standard Buy to Let Mortgages

Mortgages for people buying or remortgaging a property to rent out.


Holiday Let Mortgages

Mortgages for buying a holiday property to let or use yourself.


HMO (Houses in Multiple Occupation) Mortgages

HMO mortgage products offer you even more lending options in the Buy to Let market.


Applying through a broker

You need to apply through a mortgage broker for our more specialised mortgages:

Limited Company Buy to Let Mortgages

These mortgages are for taking a mortgage on a property through a limited company, rather than in your own name.

Portfolio Buy to Let Mortgages

These are mortgages for borrowers who have four or more distinct mortgaged Buy to Let UK rental properties.

Applying for a mortgage

What you need to apply

  • Details of your deposit and where it's coming from
  • Information about the type of property you're looking to buy
  • Last 3 months of payslips, or the latest 2 years of self-assessments if you're self-employed
  • Last 3 months' bank statements
  • Details of any property you own, including the outstanding balance on your mortgage, remaining term, account number and the monthly payment amount
  • Details of any financial commitments, such as credit cards, loans or childcare costs

How to apply

You’ll need to book a non-advised appointment with our Buy to Let specialists for:

  • Buy to Let
  • Houses in Multiple Occupation (HMO)
  • Holiday Let

For any other mortgage applications, you’ll need to apply through a broker.

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

Existing mortgage members

What would you like to do?

Landlords insurance

If you rent out a property, landlords insurance is there to protect you in case things go wrong.

We offer a 5-star Defaqto rated Landlord insurance policy through Uinsure. This policy is designed to protect the buildings and/or contents of the let property. There are also options to include emergency cover, legal protection and rent guarantee.

Landlord responsibilities

Buy to Let landlords have health and safety, legal and financial obligations to meet.

Find out more about landlord responsibilities

Frequently asked questions