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Buy to Let mortgages

For everyone from first-time investors, to experienced portfolio landlords. 0161 451 3155 or arrange a callback >

  • Loans from £5,000 - £2m.
  • Borrow over 4 to 30 years.
  • Fixed and variable-rate options.
  • Interest-only options available.
  • Borrow up to 75% of the property's market value.
Consolidating unsecured debts with secured lending may increase the amount repaid overall.
  4.5/5 average rating by independent customer
Property has long been viewed as a solid investment

With house prices outstripping wage growth, 20% of all households in England now rent in the private sector – double the proportion recorded in the 1990s.

And that means there’s a lot more landlords than their used to be. If you’re hoping to join their ranks – whether to top up your pension, or give up your day job – our Buy to Let mortgages are made to match.

We know the rental market

And that sometimes means the best buy-to-let properties are those that are a little unusual in their position, condition, or construction. So we'll consider residential properties of all kinds.

We won't specify that you need a certain amount of experience as a landlord before we’ll consider you, or restrict the size or value of your portfolio.

And we welcome applications for everyone from private individuals and sole traders, to partnerships, limited companies and others.

Flexible on income

If your rental income sufficiently covers your mortgage payments, we won't conduct any further affordability assessments. But if we have to, we'll take all of your income into account – including rent from other properties, or wages from your day job.

We can often lend when others won’t

So we can consider your application, even if:

  • It’s an ex-council property, and/or made of non-standard materials (e.g. concrete).
  • It’s a flat in a high-rise block.
  • You’re a first-time landlord.
  • You don’t live in the UK.
  • You’re clubbing in with friends to buy.
  • You’re self-employed, work several jobs, or have already retired.
  • You’ve got less-than-perfect credit.

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.

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

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