We use cookies to give you the best possible experience on our website. If you continue without changing your settings, we'll assume that you're happy to receive all the cookies on our website. However, you can change your cookie settings at any time.

Your Privacy

When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.

Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

Strictly Necessary Cookies

(Req)

These cookies are strictly necessary for the Website to work properly and for us to keep it secure. They are needed to allow users to use the Website and its features, including to move between pages of the website.

These cookies are required

Performance and analytical cookies

These cookies allow us to collect certain information about how a user navigates the Website. These cookies collect information that is used either in aggregate form to help us understand how our site is being used or how effective are marketing campaigns are, or to help us personalise our site for you. We use Google analytics and Bing 1st party cookies, DoubleClick 3rd party cookies and Hotjar cookies for reporting purposes.

Cookie Name Purpose More Information
Bing Ads mui(x), _uet(x) Remarketing script and conversion tracking
DoubleClick Cookies _ide, _nid, _sid,
_dsid, _flc,
_aid, _taid
These are 3rd party cookies served by DoubleClick. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about DoubleClick and how to disable this cookie.
Google Analytics _utm(x), _ga(x),
_gid, amp_token
These cookies are used to collect information about how visitors use our website. They keep track of when a visitor enters and leaves the website and any search engines and keywords that are used, including any personal and/or sensitive data. Click here for more information about Google Analytics cookies.
Hotjar _hj(x) These cookies are used to record anonymous videos about how visitors use our website. They keep track of how visitors engage with pages on our website. Click here for more information about Hotjar and how to disable this cookie.

Marketing cookies

These cookies are used to make advertising messages more relevant to you. We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media.

Mortgages for accidental landlords

For when having tenants wasn’t part of the plan. 0207 858 2809 or arrange a callback >

  • Loans up to £2 million.
  • Over 4 to 30 years.
  • Variable and fixed-rate options.
  • No Early Repayment Options.
  • Borrow up to 70% of the property's market value.
  4.7/5 average rating by independent customer
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.

And if that means you need to remortgage before renting it out – perhaps because your existing mortgage provider doesn't do buy-to-let mortgages, or because you need to complete renovations – let's talk.

Created with real lives in mind

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.
  • It’s an ex-council property, and/or made of non-standard materials (e.g. concrete).
  • It’s a flat in a tower of six or more storeys.
  • You’re self-employed, work several jobs, or have already retired.
  • You’ve got less-than-perfect credit.

And, provided the property's rental income sufficiently covers the monthly payments*, your application won't be subject to any further affordability assessments or maximum age restrictions. We can explain this in more detail over the phone.

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.
Overall cost for comparison

For example: A mortgage of £70,000 payable over 13 years on our variable rate for the loan term of 13 years at our current rate of 7.49% (variable) would require 156 monthly payments of £756.13 plus a redemption administration fee of £150.00.

The total amount payable would be £118,105.88 made up of the loan amount plus interest on the loan (£39,726.40), processing fee (£3,500.00) and arrangement fee (£1,750.00) plus interest on these fees (£2,979.48) and the redemption administration fee (£150.00).

The overall cost for comparison is 9.2% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

Not sure if this applies? See our range of buy-to-let mortgages.

Your home may be repossessed if you do not keep up repayments on your mortgage.


Share

Build: 1.3.7.23312