Buy-To-Let Mortgages

For individuals with fewer than 4 properties
Telephone appointments
You can book a telephone appointment with one of our mortgage advisors. We are unable to accept face-to-face appointments in branch at this time, however you can book a call online.
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 60% 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

Our Buy-to-Let criteria

  • Properties can be freehold, or leasehold with minimum 85 years of the lease unexpired at the start of the mortgage, and minimum 50 years unexpired at the end of the mortgage term
  • You must own your own residential property (mortgaged or owned outright)
  • Annual earned income for all applicants combined must exceed £25,000
  • 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 for properties in England and Wales


  • Flats/apartments in a block with more than 30 properties, exceeding more than 6 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.