Further advance buy to let mortgages

Our further advance Buy to Let mortgages are available for existing customers who are looking to borrow more, up to a maximum of 75% LTV.

One property or a portfolio, we've got your landlords covered
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Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment Interest
Only		 FTB

5.49% (2.80% discounted rate from follow on rate) for 2 years (XD0237)

 Code XD0237 (EB)
2 years 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.80% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.74%
  • Loan to Value - 75%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.0% APRC.

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

 Code XF1335 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

5.84% 5 Year Fixed Rate to 30/09/2031 (XF1334)

 Code XF1334 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • 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
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

5.84% Ltd Co (2.45% discounted rate from follow on rate) for 2 years (XD0238)

 Code XD0238 (EB)
2 years 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 75%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.2% APRC.

5.84% Expat (2.45% discounted rate from follow on rate) for 2 years (XD0239)

 Code XD0239 (EB)
2 years 8.29% 75% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 75%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.2% APRC.

5.94% Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1342)

 Code XF1342 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • 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
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

5.99% HMO Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1344)

 Code XF1344 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • 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
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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

 Code XF1336 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • 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
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.4% APRC.

6.04% HMO Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1343)

 Code XF1343 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

6.09% Expat 5 Year Fixed Rate to 30/09/2031 (XF1349)

 Code XF1349 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • 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
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

6.09% HMO Expat 2 Year Fixed Rate to 31/10/2028 (XF1350)

 Code XF1350 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

6.09% 2 Year Fixed Rate to 31/10/2028 (XF1332)

 Code XF1332 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

6.14% HMO Expat 5 Year Fixed Rate to 30/09/2031 (XF1351)

 Code XF1351 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • 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
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

6.29% Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1339)

 Code XF1339 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

6.34% Expat 2 Year Fixed Rate to 31/10/2028 (XF1347)

 Code XF1347 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

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 an Interest-Only basis for applicants aged 18 and over for properties in England or Wales.

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Find Your Local

Business Development Manager

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:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina 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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