Buy-To-Let Mortgages for individuals with fewer than 4 properties

We are Buy-To-Let mortgage experts offering a trusted, personal and flexible service
Book an appointment at your local branch. It only takes two minutes.
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Personal, Flexible Service
Our dedicated team will give you the service you deserve
We will work with you to understand your circumstances and find the best solution
Sector Experts
Providers of buy-to-let mortgages for over 25 years
We specialise in lending to the buy-to-let sectors
Benefits of Mutuality
We have no shareholders to satisfy
So you get great value products and services
Up to 75% of property value
Some regional restrictions may apply
£50,000 minimum property value
£150,000 outside of our operating area
£30,000 minimum mortgage
£75,000 outside our operating area

Buy-To-Let Mortgages for individuals with fewer than 4 properties

Where We Lend

We provide mortgages on properties throughout England, Scotland and Wales. Some of our mortgages are only available on properties in our branch operating area.

Our operating area is Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49) and North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7).

Book a time for us to call you to discuss your needs

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  • Properties can be freehold, or leasehold with a minimum of 85 years left on the lease at the start of the mortgage
  • Interest Only mortgages secured on leasehold properties must have at least 50 years of the lease left after the mortgage ends
  • You must own your own residential property (mortgaged or owned outright)
  • Annual earned income for all applicants combined must exceed £25,000 for properties within our operating area and £50,000 outside our operating area
  • Maximum mortgage term 30 years
  • Annual rental income should be a minimum of 145% of the annual mortgage interest at a rate of 5.5% or 2% above the mortgage rate you are paying, whichever is higher
  • You must have cash savings or other assets to cover a minimum of 3 months mortgage payments
  • You must also have a tenancy agreement in place; Assured Shorthold Tenancy for England and Wales or a Private Residential Tenancy in Scotland
  • Your property must have an Energy Performance Certificate rating of E or higher or a suitable exemption


  • Former council flats, flats which form part of a mixed use block, properties with multiple occupancy and student lets
  • Flats/apartments in a block with more than 20 properties, exceeding more than 4 storeys and /or located above commercial premises
Your mortgage is secured on your property. Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.