Buy-to-Let
mortgages

Whether you're a first time landlord or a
seasoned professional, we're here to help.

Investing in you and your property

We’ve helped many new landlords step into the rental property market, as well as helping experienced investors build their property portfolios. With a selection of discounted and fixed rate mortgages, we can help make your property investment come to life. 

Read our guide to finding a Buy-to-Let mortgage

Am I eligible for a Buy-to-Let mortgage?

Your eligibility depends on your individual circumstances. When it comes to your application, we factor in both your personal income and rental income to assess your affordability, so we can help you find the right mortgage for you.


To apply for a mortgage with us, you’ll need to meet our Buy-to-Let lending criteria. A few things to look out for are:

  • You have a total earned income of at least £20,000 per annum.
  • You currently own your home (with or without a mortgage).
  • The property is in England, Scotland or Wales
  • The property is not a new build flat (under 5 years old).
  • The property is to be let on an Assured Shorthold Tenancy, between 6 and 12 months.
  • The maximum LTV on the property is 80%.
  • The minimum mortgage amount is £50,000.
  • The minimum valuation for Buy-to-Let mortgages is £75,000.
  • The minimum EPC rating must be ‘C’ for 80% loan-to-value (LTV) applications.

Whether it’s your first or fifth rental property, we understand that property is a huge investment and our team is on hand to guide you through the process. To discuss our full criteria, or if you have any questions, give our team a call on 0800 781 4311.

Which Buy-to-Let mortgage do I need?

How many Buy-to-Let mortgages can I have?

Can I switch my residential mortgage to a Buy-to-Let?

Am I eligible to switch to a Buy-to-Let mortgage?

What’s the difference between Buy-to-Let and Let-to-Buy?

What fees are involved in a Buy-to-Let mortgage?

Can I have a residential mortgage on a rental property?

Can you get a Buy-to-Let mortgage as a first time buyer?

System.ArgumentNullException: Value cannot be null.
Parameter name: source
at System.Linq.Enumerable.FirstOrDefault[TSource](IEnumerable`1 source)
at ASP._Page_app_plugins_degree53_feedback_render_output_cshtml.Execute() in C:\home\site\wwwroot\app_plugins\degree53.feedback\render\output.cshtml:line 15
at System.Web.WebPages.WebPageBase.ExecutePageHierarchy()
at System.Web.Mvc.WebViewPage.ExecutePageHierarchy()
at System.Web.WebPages.WebPageBase.ExecutePageHierarchy(WebPageContext pageContext, TextWriter writer, WebPageRenderingBase startPage)
at Umbraco.Web.Mvc.ProfilingView.Render(ViewContext viewContext, TextWriter writer) in D:\a\1\s\src\Umbraco.Web\Mvc\ProfilingView.cs:line 25
at System.Web.Mvc.Html.PartialExtensions.Partial(HtmlHelper htmlHelper, String partialViewName, Object model, ViewDataDictionary viewData)
at ASP._Page_Views_Partials_grid_editors_Base_cshtml.Execute() in C:\home\site\wwwroot\Views\Partials\grid\editors\Base.cshtml:line 20

From new mortgages to remortgaging and Buy-to-Let, we can help you find the right deal.

Latest mortgage articles

New

How lenders use your credit score

A great credit score could be your key in the door, but how exactly do lenders use it to assess affordability?

The true cost of buying a home

Buying a new home and want to better plan your budget? Clue yourself up on all the hidden costs of buying a house in this handy guide.

Guide to home mover mortgages

There are a number of options you can consider when you move home as a next stepper. Here's a rundown of everything you need to know.

Contact us

Branch finder

Visit one of our branches in the North West

Contact us

Or see all the ways you can contact us, online or via post