Buy-to-Let mortgages

Overview

Finance for buy-to-let properties located in England and Wales. Suitable for investment properties only.

  • Rates from 2.99%
  • LTV up to 80%
  • 5 year rates from 3.59%
  • Competitive ICR and stress rates

Key features

1 Limited edition! (standard property only)

2 Limited offer! Free title insurance and a reduced valuation fee of £100 for remortgages where the loan is £300k or less and the property value is £500k or less. To select this offer, use the product codes ending MLLTDEd.-APR18B. (standard property only)

3 You can repay up to 10% of the outstanding loan balance in any 12-month period (calculated by taking the balance at completion and each anniversary thereafter) without incurring an early repayment charge.

Interest coverage ratio and assessment rates

We use the gross RICS confirmed market rental income in ICR calculations.

ApplicantSingle propertiesHMOs and MUFBs
Basic rate taxpayer (20%)125%130%
Limited company & LLP125%130%
Higher rate taxpayer (40%)140%145%
Additional rate taxpayer (45%)140%145%

Download our Buy-to-Let lending criteria

Inside you’ll find all you need to know about our Buy-to-Let loans, including rates, fees and criteria.

Apply now

Register on our online portal to generate a quick decision in principle and submit an application.

Master the basics

Our short video tutorials and FAQs will have you up and running on our online portal in no time.