Property portfolio or semi-detached in Glasgow?

No matter who your clients are, our common-sense approach makes buy to let simple.

Buy-to-let mortgages for every landlord

It doesn’t matter to us if your client has one or one hundred properties, our process keeps everything nice and simple. In fact, with our new lowest ever rate. Our award-winning buy-to-Let mortgages have never been easier. We offer mortgages for investment landlords with large portfolios, ‘accidental landlords’ with just one property as well as those about to make their first purchase, with buy-to-let products for every need.

An approach that’s a little more accommodating

Our common sense approach to lending means that we consider every application on its own merits by getting to know the customer behind the application. That’s why we consider most income sources (including projected rent), work with many types of credit profile, and can provide finance for properties regardless of their structure, age or valuation.

Whatever you need, we’re confident that we have the right buy-to-let mortgage, re-mortgage or secured loan solution to suit a range of property, income, credit and purchase types.

EPC requirements

We've now updated our EPC requirements, which means that all Buy-to-Let mortgages should have a minimum EPC rating of E, however, we can consider F or G by referral.

Income sources
  • Rental income or agent assessed projected rental income
  • Interest Coverage Ratio (ICR) requirements:
    • Flexibility to top up affordability with personal income if ICR is not met
    • No maximum age restriction where the rental income meets the required ICR:

125% - basic rate taxpayers and limited companies
145% - higher rate taxpayers
165% - additional rate taxpayers

  • No minimum income requirements
  • Pension – state and private
  • Self-employed – with 12 months trading
  • Family gifted deposit.
Credit profiles
  • Perfect to imperfect or no credit history
  • Credit impaired history older than 12 months ignored
  • Unsecured missed payments
  • Satisfied CCJs and defaults
  • Mortgage and loan arrears
Property types
  • Any type of residential property
  • Houses of Multiple Occupancy (HMOs) with no maximum number of bedrooms
  • Holiday lets
  • Portfolio properties with no maximum number or value
  • Ex-council properties
  • Maisonettes and flats on any number of floors
  • Non-standard construction including timber or concrete framed
  • Defective or poor remarks on valuation
Customer types
  • Limited companies
  • First time landlords
  • Expatriates
  • Portfolio landlords
  • Individuals with a single property
Our criteria – Commercial buy-to-Let

Our buy-to-let products provide funding for landlords with single or multiple properties, those looking to finance holiday lets, Houses of Multiple Occupancy (HMOs) and semi-commercial properties.

Key criteria
  • First charge from £5k - £2m
  • Second charge loans from £5k - £500k
  • Capital repayment and interest only options
  • No minimum term of ownership for re-mortgage

Click here to view the buy-to-let product guide.

Our criteria - Consumer buy-to-let

Our consumer buy-to-let products cater for the ‘accidental landlord’ who has an additional property by circumstance. That could include having inherited a property or moving in with a partner and choosing to let out the spare property.

Key criteria
  • First charge from £5k - £2m
  • Second charge loans from £5k - £500k
  • No early repayment charges
  • Capital repayment and interest only options
  • No minimum term of ownership for re-mortgage

Click here to view the consumer buy-to-let product guide.

phone icon

Work in the professional sector and looking to introduce a client? Find out more.

tablet icon

Get in touch

Our Broker Relationship Team are here between 9am – 5pm. You can call them on 0161 451 3154 or simply fill out the form below and one of the team will be in touch shortly.