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 65% LTV. 

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2.89% 3 year discounted rate by 2.25%

 Code XD0093
3 years 5.14% 60% £175* £999~ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· Discount - 2.25% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 2.79% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
· 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 (Further advance and Product Switch) - £0
· 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
· Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third 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. £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.9% APRC

3.19% 3 year discounted rate by 1.95%

 Code XD0094
3 years 5.14% 65% £175* £999~ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· Discount - 1.95% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 3.09% 
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage.(£125 for further advance, £0 for switch)
· Valuation Fees (Purchase) - Full standard valuation fee scale applies.(£0 for further advance and switch)
 · 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 (Further advance and Product Switch) - £0
· 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
· Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third 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. £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.9% APRC

3.04% 3 year fixed rate

 Code XF0415
31/01/2025 5.14% 60% £175* £999~ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage.(£125 for further advance, £0 for switch)
· 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 (Further advance and Product Switch) - £0
· 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
· Early Repayment Charges - 3% until 31/01/2023, 2% until 31/01/2024 and 1% until 31/01/2025
· 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. £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.8% APRC
· Additional criteria - The mortgage must complete by 01/02/2022 

3.34% 3 year fixed rate

Code XF0416
31/01/2025 5.14% 65% £175* £999~ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
· 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 (Further advance and Product Switch) - £0
· 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
· Early Repayment Charges - 3% until 31/01/2023, 2% until 31/01/2024, 1% until 31/01/2025
· 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. £2,000 for further advance. No minimum for product switches
· Cost for comparison - 4.9% APRC
· Additional criteria - The mortgage must complete by 01/02/2022

3.19% 3 year fixed rate Limited Company

 Code XF0417
31/01/2025 5.14% 60% £175* £1,499~ Yes Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
· 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 (Further advance and Product Switch) - £0
· 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
· Early Repayment Charges - 3% until 31/01/2023, 2% until 31/01/2024, 1% until 31/01/2025
· 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. £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.9% APRC
· Additional criteria - The mortgage must complete by 01/02/2022

· The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

3.49% 3 year fixed rate Limited Company

 Code XF0418
31/01/2025 5.14% 65% £175* £1,499~ Yes Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage.(£125 for further advance, £0 for switch)
· 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 (Further advance and Product Switch) - £0
· 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount.(£0 for further advance and switch)
· Early Repayment Charges - 3% until 31/01/2023, 2% until 31/01/2024, 1% until 31/01/2025
· 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. £2,000 for further advance. No minimum for product switches
· Cost for comparison - 5.0% APRC
· Additional criteria - The mortgage must complete by 01/02/2022

3.24% 5 year fixed rate

 Code XF0419
30/11/2026 5.14% 60% £125* £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 30/11/2022, 4% until 30/11/2023, 3% until 30/11/2024, 2% until 30/11/2025, 1% until 30/11/2026
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.2% APRC
· Additional criteria - For further advances the mortgage must complete by 01/02/2022

3.54% 5 year fixed rate

 Code XF0420
30/11/2026 5.14% 65% £125* £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Product switch and further advance
· LTV - Above 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 30/11/2022, 4% until 30/11/2023, 3% until 30/11/2024, 2% until 30/11/2025, 1% until 30/11/2026
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.4% APRC
· Additional criteria - For further advances the mortgage must complete by 01/02/2022

3.39% 5 year fixed rate Limited Company

 Code XF0421
30/11/2026 5.14% 60% £125* £0 Yes Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Buy to Let Limited Company product switch and further advance
· LTV - Maximum 60%.  
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 30/11/2022, 4% until 30/11/2023, 3% until 30/11/2024, 2% until 30/11/2025, 1% until 30/11/2026
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.3% APRC
· Additional criteria - For further advances the mortgage must complete by 01/02/2022

3.69% 5 year fixed rate Limited Company

 Code XF0422
30/11/2026 5.14% 65% £125* £0 Yes Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Buy to Let Limited Company product switch and further advance
· LTV - Above 60%
· *Application Fee - £125 for further advance. £0 for product switches
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 30/11/2022, 4% until 30/11/2023, 3% until 30/11/2024, 2% until 30/11/2025, 1% until 30/11/2026
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.4% APRC
· Additional criteria - For further advances the mortgage must complete by 01/02/2022

3.69% 5 year fixed rate for expats

 Code XF0423
30/11/2026 5.14% 60% £125* £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Expat product switch and further advance
· LTV - Maximum 60%
· *Application Fee - £125 for further advance. £0 for product switch
· Valuation Fees - £0
· Product Fee - £0
· Early Repayment Charges - 5% until 30/11/2022, 4% until 30/11/2023, 3% until 30/11/2024, 2% until 30/11/2025, 1% until 30/11/2026
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £2,000 for further advance. No minimum for product switches.
· Cost for comparison - 4.7% APRC

3.99% 5 year fixed rate for expats

 Code XF0424
30/11/2026 5.14% 65% £125* £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch and and further advance
  • LTV - Above 60%.
  • *Application Fee - £125 for further advance. £0 for product switches
  • Valuation Fees - £0
  • ~Product Fee - £0
  • Early Repayment Charges - 5% until 30/11/2022, 4% until 30/11/2023, 3% until 30/11/2024, 2% until 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.8% APRC
  • Additional criteria - For further advances the mortgage must complete by 01/02/2022

3.14% 2 year discounted rate by 2.00% Offset Mortgage

 Code XO0033
2 years 5.14% 60% £175* £999~ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.0% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 3.04% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch)
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. 
· 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 (Further advance and Product Switch) - £0
· 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance and switch)
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 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. £2,000 for further advance. No minimum for product switches
· Cost for comparison - 5.1% APRC
· Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account

3.44% 2 year discounted rate by 1.70% Offset Mortgage

 Code XO0034
2 years 5.14% 65% £175* £999~ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 1.70% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 3.34% 
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£0 for further advance and switch)
· Valuation Fees (Purchase) - Full standard valuation fee scale applies. (£0 for further advance and switch)

· 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 (Further advance and Product Switch) - £0
· 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. 
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 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. £2,000 for further advance. No minimum for product switches
· Cost for comparison - 5.1% APRC
· Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account

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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Business Development Manager

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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Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle for help with your clients' mortgages.
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Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.
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