Buy to Let Mortgages



A bespoke ICR calculation reflects your customer’s tax position more accurately and could help them get the loan size they want. Use our Buy to Let calculator to see how much your customer could borrow.

Limited Edition - Hurry don’t miss out on our Limited Edition 5 year Fixed Buy to Let product.

Highlights and features

  • Rental cover - ICR: based on individual circumstances
  • Rental cover - Assessment rate: Higher of pay rate + 2%, or revert rate (minimum 5.50%) for shorter term Fixed and Tracker products.
    Pay rate for 5 year + Fixed rates.
  • 5 year fixed rate products that help maximise the loan size available
  • 5 year fixed with 4% cashback available on purchases
  • Minimum property value of £50,000 (excluding London and HMO properties)
  • Maximum term of 35 years
  • Maximum age at application 80 years
  • 2, 5 and 10 year fixed rate products

Click here to see more information about our Limited Companies and Houses in Multiple Occupation (HMO) range.

Key criteria

Click here to view the buy to let mortgages criteria guide for further information.

Who is this range for?

  • first time buyer landlords
  • first time landlords
  • experienced or retired landlords looking to extend their portfolio
  • consumer buy to let
  • self-employed landlords with 1 year’s accounts
  • landlords with high quality properties with a low rental yield
  • landlords looking to purchase a new build property

Portfolios without the heavy lifting?

If you have a landlord who has 4 or more properties click here to visit our dedicated portfolio page.

Packager Panel

Let our Packager Panel do the work for you.

You can submit a residential or buy to let mortgage to us direct or alternatively you can introduce a case to one of our packagers.

Contact one of our packagers direct today.

LIBOR Trackers and the Reversion Rate

LIBOR Trackers and the reversion rate are variable rates that are linked to 3 month LIBOR and will change quarterly on 12 March, 12 June, 12 September, 12 December. Please note if this date falls on a non-working day then the LIBOR rate will be taken on the previous working day.

All of our LIBOR tracker products have a floor. This means that if LIBOR were to fall to 0.00% or less the rate payable will be 0.00% plus the agreed set percentage above LIBOR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

For intermediary use only
BBR 0.50% / 3 month LIBOR 0.30%