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Standard buy-to-let customers

We’re ready-to-go with buy-to-let.

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm, we’ll do our best to get back to you the same day or let us know when suits you best for a call back.

  4.5/5 average rating by independent customer

Looking to finance your buy-to-let property? Struggling to get a mortgage with a high street lender? We could be the people to speak to.

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

Bye-bye to restrictive buy-to-lets

If you need finance – whether a purchase, remortgage or second charge secured loan – on a buy-to-let property, talk to us. Why? Because you can use our unregulated mortgage for almost any purpose. 

We consider a large variety of property types, and have more flexibility when lending to people with less than perfect credit histories. Plus, we’re one of the few lenders offering second charge buy-to-let, particularly interest-only second charge buy-to-lets and we welcome new and experienced Landlords.

We’ll consider buy-to-let mortgages for:
  • single or multiple properties
  • ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property you want is a little out of the ordinary)
  • normal brick-built houses, flats and maisonettes.
Key features
  • borrow up to £2m with terms up to 30 years
  • rates from 5.99%
  • 2, 3 and 5 year fixed rate options available
  • no minimum landlord experience
  • other sources of income taken into consideration for affordability
  • up to 4 people per application
  • 90% of projected rent taken into consideration
  • no minimum property ownership.
With added value

We consider a large variety of property types. And after 5 years, we don't hit you with early repayment charges if you want to pay off your mortgage early, so you’re not tied into the buy-to let mortgage for the full term; leaving you to think about your next project. 

Our lending criteria

To qualify for this product, as a minimum, you must:

  • have obtained the properties with the intent to let them out. In other words, for a business purpose
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 125% of total secured lending repayments.
EPC requirements
  • minimum rating E – however, we will consider F or G by referral
  • we'll need a copy of the EPC for all purchases and all re-mortgages, where the property is currently being let, or there is an intention for the property to be let in the future.

Any property used as security may be repossessed if you don’t make the repayments. Available in England, Scotland and Wales only.

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

Any property used as security may be repossessed if you don’t make the repayments. Available in England, Scotland and Wales only.

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

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