Mortgages for accidental landlords

Inherited a property? Moving in with a partner? Relocating at short notice?

Renting out your property could prove lucrative so we understand why it's such an appealing option. This could mean you need to remortgage before renting out your property – perhaps because your existing mortgage provider doesn't do buy-to-let mortgages, or because you need to complete renovations.

Anyone can be a landlord these days, so whether you're thinking to rent out your property to provide a second income, or to boost your pension pot further down the line, we may be able to help.

Our common-sense approach means we can also consider applications that some other lenders sometimes struggle with, such as if you already have a mortgage on the property, you're self-employed, work several jobs, or have already retired or if you’ve got less-than-perfect credit.

Checking you qualify

This product is designed for ‘accidental landlords’.

If any of the following apply, another of our products may be more appropriate:

• You're currently in the process of buying the property, or bought it to rent out.
• You already own another rental property.
• You, your spouse/partner, children, parents or grandparents are going to be living there.
• The property is owned by a limited company.
• You're using the money to purchase an investment property or invest in your business.