Buy to Let mortgages for portfolio landlords

Multiple properties? Our common sense approach could help.
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  • Borrow up to £2.5m.
  • Terms from 4 to 30 years.
  • Rates from 4.75%.
  • Capital repayment and interest-only options.
  • Borrow up to 75% of the property's market value.
Consolidating unsecured debts with secured lending may increase the amount repaid overall.
  4.6/5 average rating by independent customer

Want to expand your buy-to-let portfolio?

Our Buy to Let mortgages are available to a wide variety of portfolio landlords, on a variety of residential and commercial properties, including ex-council, high-rise, or those currently classed as uninhabitable.

We apply common sense, and look at the bigger picture. So we’re happy to lend if:

  • You’re buying an additional property.
  • You need to remortgage your existing portfolio.
  • You want to consolidate your borrowing into one monthly repayment.

We'll accept rental projections if you’ve not yet acquired the property, and if your rental income will sufficiently cover the payments, we won't conduct an affordability assessment. We can also take into account other, multiple sources of income when calculating what you can afford to pay.

We won't place a limit on the size or value of your portfolio, and we’ll charge the same rates whether you have one property, or 100. In fact, with our lowest-ever rate, our Buy to Let mortgages have never been easier.

At a glance

✓ Fixed and variable rate options.
✓ Secure against one or several properties.
✓ Borrow up to £2m over up to 30 years.
✓ Other sources of income, and up to 90% of projected rent taken into account for affordability.
✓ Limited Company applicants accepted, with no premium.
✓ No limit on the size or value of your portfolio.
✓ Interest-only options available.

Can a first-time buyer have a buy-to-let mortgage? 

Yes, we’ll consider applications from first-time buyers for a Together Buy to Let mortgage and treat them the same as anyone else. This includes both first-time property investors and people who’ve never owned their own home as well.

Can I move into my buy-to-let mortgage property? 

If you own a buy-to-let property and need to move into it, speak to your mortgage provider about changing your buy-to-let mortgage to a residential mortgage.

If they won’t let you do this, it’s time to shop around – as you may be in breach of the terms of your buy-to-let mortgage if you move in without their knowledge.

What fees will I have to pay on a Together buy-to-let mortgage? 

We charge an Arrangement Fee, and some of our Buy to Let mortgages include an Early Repayment Charge, which you'll pay if you elect to remortgage with another lender or repay your loan in full before the term ends.

We also charge a Redemption Administration Fee when you 'redeem' (i.e. fully repay) your mortgage, to cover costs associated with closing your account and dispensing our legal claim to your property.

All of these fees can vary, so we'll ensure that the fees that apply to your particular mortgage are clearly explained before you sign on the dotted line.

Other fees and charges may be applied to your account during the life of your mortgage, in relation to the management of your account (for instance, if you fall behind on your monthly payments). These are all explained in our Tariff of Charges.

How much can I borrow for a buy-to-let mortgage with Together? 

We offer buy-to-let mortgages of anywhere from £30kto £2.5m – and sometimes more! If you want to borrow a large amount (i.e. over £1m) we may or may not insist on you putting in a larger deposit or more equity.

How much deposit is needed for a buy-to-let mortgage with Together? 

We have several Buy to Let mortgage products, and the minimum deposit (or equity, if you're remortgaging) we insist on varies based on the property and your circumstances. As an absolute minimum, you'll need to put in 25% of the property's value.

However, if you also own other properties and have sufficient equity, we may be able to use these as additional security to lend you 100% of the value of your new purchase.

Any property used as security, including your home, may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Consolidating unsecured debt through secured lending could increase the total amount you pay back. Your home may be repossessed if you do not keep up repayments on your loan.

Loans provided by Together Commercial Finance Ltd. are not authorised and regulated by the Financial Conduct Authority.