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Buy-to-let mortgage

We're ready-to-go with your buy-to-let mortgage

Request a call back

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we’ll do our best to get back to you the same day.


Any property used as security may be repossessed if you don’t make the repayments.

A fast decision when you have big plans for your auction property.

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

Planning to buy and sell the property? View our short term finance options here ❯
Bye-bye to restrictive buy-to-lets

If you need finance – whether a mortgage, remortgage or second charge secured loan – on a buy-to-let property, talk to us. Why? Because you can use our unregulated mortgage for almost any purpose. 

We’re one of the few lenders offering second charge buy-to-let, particularly interest-only second charge buy-to-lets. Plus, we also consider a large variety of property types, and have more flexibility when lending to people with less than perfect credit histories.

Key features

• Interest rates from 5.99% for loans ≤65% LTV
• Arrangement fees from 2% (minimum £450)
• Early Repayment Charges apply within the first 5 years of the mortgage

◦ Year 1 - 4%
◦ Year 2 - 4%
◦ Year 3 - 3%
◦ Year 4 - 2%
◦ Year 5 - 1%
◦ Year 6+ - 0%

  • EPC requirements:
    • Minimum rating E – however, we will consider F or G by referral.
    • We will require a copy of the EPC in the following circumstances:
      • All purchases
      • All re-mortgages, where the property is currently being let, or there is an intention for the property to be let in the future.
We’ll consider buy-to-let mortgages for:
  • ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property you want is a little out of the ordinary)
  • normal brick-built houses, flats and maisonettes
With added value

We consider a large variety of property types. And after 5 years, we don't hit you with early repayment charges if you want to pay off your mortgage early, so you’re not tied into the buy-to let mortgage for the full term, leaving you to think about your next project. 

10 steps to getting an unregulated buy-to-let mortgage 
  1. We’ll discuss your circumstances with you and what you need.
  2. Once confirmed, we’ll help you complete an application form.
  3. Our underwriting team will review the application and complete a Credit Check. To do so, we’ll need various documents from you including ID and proof of income.
  4. If everything is ok, we’ll arrange a valuation.
  5. Valuation returned and will be checked by the underwriting team. If ok, we’ll instruct our solicitor.
  6. Your solicitor receives the legal documentation.
  7. Once all the paper has been sent back, our solicitor will complete the Report on Title.
  8. Our solicitor team will review the ROT.
  9. At this stage our underwriter team will complete a full review of the file in preparation for funding.
  10. We’ll transfer funds to your solicitor and you're good go
Our lending criteria
  • Loans available from £5,000 to £500,000 (above this by referral)
  • Credit profile – we accept CCJs and Defaults (even in the last 12 months)
  • 125% rental coverage ratio – you can use other income sources if rental is insufficient
  • First and second charge available
  • Fixed rate option available
  • Interest-only options available
  • No maximum age
Qualifying criteria

To qualify for this product, as a minimum, you must:

  • have obtained the property with the express intent to let it out – in other words, you obtained the property for a business purpose. As such, the regulated Consumer Buy-to-Let product is not suitable for your circumstances.
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 125% of total secured lending repayments.
  • have no more than 6 demerits on your credit profile in the last 12 months.
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