Buy to Let Mortgages for Brokers

As a broker, you’ll be looking to pair up your customer with just the right lender for their Buy to Let property. A lender with over 20 years’ experience in the buy to let industry. A relationship managed service provider with real people reviewing each case on an individual basis. A lender where kinder banking comes naturally and a ‘computer says no’ approach just doesn’t exist. As a broker, you’ll find that The Cumberland value your customers, just as much as you do.

We are proud to offer a fully relationship managed service to our customers, so we're always on hand when you need us. We are committed to delivering a personal service that’s kinder to people – we make it our priority to get to know you as the broker, the needs of your client and the intricacies of their business from the outset.

Lending Criteria


Properties can be freehold or leasehold with a minimum of 85 years left on the lease at the start of the mortgage and 50 years on maturity


Amateur Landlords (individuals or partnerships): Must have a minimum main employed income (or pension or dividend income) of at least £25,000, excluding any benefits payments; and is able to demonstrate cash savings/other assets to cover a minimum of 3 months mortgage payments; and owns & occupies an existing residential property.

Amateur Landlords (Limited Companies): No minimum background income Criteria.

Portfolio Landlords (Individuals, Partnerships & Limited Companies): No minimum background income criteria. Background portfolio cannot exceed 20 properties. Maximum 8 individual Society BTL loans per borrower.


Arrangement fees will apply. Free valuations up to £750k loan amount, on selected products only. Legal fees are met by borrowers.

Limited companies

Limited Company borrowers must be incorporated in the UK and beneficial owners must be resident in the UK


Individual borrowers must be resident in the UK


We are unable to mortgage property which is a temporary or movable structure

Tenancy Agreement

Tenancy agreement should be on Assured Shorthold Tenancy basis or in Scotland Private Residential Tenancy Basis, with maximum term of 6 months, with any existing tenancy agreement having commenced after 1 March 1997.

All properties have an Energy Performance Certificate (EPC) with a rating of E or higher or higher or a suitable exemption for properties in England and Wales

Make an Enquiry Today

Contact our expert mortgage team today by calling 01228 403312 or email

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