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 guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.


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


We’ll consider buy-to-let mortgages for:
  • 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
  • Tiered ICR from 125%
  • First and second charge available
  • Fixed rate option available
  • Adverse credit profiles considered
  • Interest-only options available


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. 


10 steps to getting an unregulated buy-to-let mortgage 
  1. We’ll discuss your circumstances with you and what you need.
  2. Once confirmed, we’ll help you complete an application form.
  3. Underwriting will review the application and complete a Credit Check. To do so, we’ll need various documents from you including ID and proof of income.
  4. If everything is ok, we’ll arrange a valuation.
  5. Valuation returned and will be checked by the underwriting team. If ok, we’ll instruct our solicitor.
  6. Your solicitor receives the legal documentation.
  7. Once all the paper has been sent back, our solicitor will complete the Report on Title.
  8. Our solicitor team will review the ROT.
  9. At this stage our underwriter team will complete a full review of the file in preparation for funding.
  10. We’ll transfer funds to your solicitor and you're good go


Our lending criteria
  • Loans available from £5,000 to £2,000,000 (above this by referral)
  • For loans 65% LTV and below, rates start from 6.99%
  • For loans above 65% LTV, rates start from 7.99%
  • Credit profile – we accept CCJs and Defaults (even in the last 12 months)
  • Tiered ICR from 125% – you can use other income sources if rental is insufficient
  • No maximum age


Qualifying criteria

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

  • have obtained the property with the express intent to let it out – in other words, you obtained the property for a business purpose. As such, the regulated Consumer Buy-to-Let product is not suitable for your circumstances.
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 125% of total secured lending repayments.
  • have no more than 6 demerits on your credit profile in the last 12 months.

Any property used as security may be repossessed if you don’t make the repayments.

Any property used as security may be repossessed if you don’t make the repayments.

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