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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. This means there’s a lot more landlords than there 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.
Sometimes the best buy-to-let properties are those that are a little unusual in their position, condition, or construction. 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. We welcome applications for everyone from private individuals and sole traders, to partnerships, limited companies and others.
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’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.
Common questions about buy-to-let mortgages