Mortgages

Buy to Let remortgages

We apply 125% rental cover at a 5% affordability rate or 4.50% affordability rate for 5 year fixed products* on Buy to Let remortgages without capital raising under transitional arrangements where the following criteria are met:

  • No increase in the amount borrowed (adding product fees is allowed)
  • Buy to Let property must have been purchased before 1 January 2017
  • No additional Buy to Let lending has been taken on or after 1 January 2017.

Please note, we do not accept remortgage applications without capital raising that do not meet the above criteria.

* Porting applications don't qualify for the 4.50% affordability rate, so 5% applies.

Our BTL deals offer:

  • Free standard valuation up to a property value of £2.5m
  • Plus either standard legal fees paid or £250 cashback. Early repayment charges apply.

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Buy to Let calculator

Check whether the rent meets our minimum rental cover and whether the property is self-financing.

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Latest rates

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Buy to Let criteria

View and search our Buy to Let lending criteria

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