Core buy to let mortgage range

Our core Buy to Let mortgage range is suitable to your clients looking to invest or remortgage in a rental property.

One property or a portfolio, we've got your landlords covered
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5.19% 2 Year Fixed Rate to 31/10/2028 (XF1331)

 Code XF1331
31/10/2028 8.29% 75% £175* 2.00%~ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 2% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.

5.34% 2 Year Tracker Rate (1.59% above the BOE Bank Rate) (XT0018)

 Code XT0018
2 years 8.29% 75% £175* 1.00%~ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.59% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.59%
  • Loan to Value - Maximum 75%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC.

5.64% 2 Year Fixed Rate to 31/10/2028 (XF1330)

 Code XF1330
31/10/2028 8.29% 75% £175* 1.00%~ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.9% APRC.

5.79% 5 Year Fixed Rate to 30/09/2031 (XF1333)

 Code XF1333
30/09/2031 8.29% 75% £175* 1.00%~ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.2% APRC.

5.84% HMO 2 Year Fixed Rate to 31/10/2028 (XF1335)

 Code XF1335
31/10/2028 8.29% 75% £175* 1.00%~ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC
  • Additional criteria -
  • HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.

5.99% HMO 5 Year Fixed Rate to 30/09/2031 (XF1336)

 Code XF1336
30/09/2031 8.29% 75% £175* 1.00%~ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.4% APRC
  • Additional criteria -
  • HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available on a Capital and Interest Repayment or Interest Only basis applicants aged 18 and over for properties in England or Wales.

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Find Your Local

Business Development Manager

Your Local BDM:

Kirsty Dancer

Kirsty has vast experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Kirsty for help with your clients' mortgages.
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Your Local BDM:

Sam Byrne

Sam focuses around the Northern and Western Home Counties. Contact Sam for help with your clients' mortgages.
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Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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