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Buy to let solutions

Let us work with you to find the right mortgage for your landlord clients and those looking to buy a property to let, including holiday lets.
We specialise in providing bespoke mortgages for your clients, including those with more complex circumstances.

To find out more please talk to your nearest Specialist Lending Manager.

  • Manual underwriting with applications assessed on a case-by-case basis
  • Bespoke products to allow greater flexibility in more complex cases
  • No rental coverage ratio and no credit scoring
  • AVMs used where possible
  • Unusual properties considered, including annexes, large acreage and listed buildings
  • No prior letting experience requirement
  • £200k – £5m loans
  • Up to 75% LTV
  • Competitive pricing tailored to your clients’ needs
  • Fixed and variable rates available
  • Holiday lets and AirBnB accepted
  • Day one consent to let available on resi cases, including AirBnB
  • Regulated buy to let available
  • No rental stress – all let cases assessed on full affordability
  • No upper age limit
  • Lower yielding rental returns with stronger personal income
  • Non-owner occupiers eg FTB who has tied accommodation with their employment looking to buy a property to let
  • UK property investment for an expat
  • A property let out to a family member
  • Multi-units, eg property with three flats on one title with the applicants living in one of the flats
  • A let farmhouse with a converted barn holiday let on the same title
  • Lets with uncertain rental returns eg property let via AirBnB with the applicants using it themselves for four weeks p.a.

We’ll consider other scenarios too, please talk to your Specialist Lending Manager

Our products and the rates we can offer are tailored to your clients’ circumstances, with variable and fixed rates available in most circumstances and options for increased overpayment allowances. We treat each case individually. To discuss your clients’ scenario in more detail please contact your nearest Specialist Lending Manager.

Other fees to be paid by your client:

  • Application fee
  • Product fee
  • Valuation fee
  • Legal fees
  • Quantity Surveyor fee (for some development cases)
  • Funds transfer fee

Fees are outlined in the Society’s Tariff of Mortgage Charges.


Applicant criteria
Minimum age18
Maximum ageNo age restrictions for let applicants
Maximum number of applicantsFour
Residential statusUK and expat loans considered. Please see our current list of countries that we can consider
Foreign nationalsForeign nationals considered
Credit impairmentWe are unable to accept credit impaired applicants

Loan criteria
Amount£200k – £5m
Maximum LTV75%

Security criteria
LocationIn England or Wales
Property typeWe are happy to consider unusual properties, including:
-Listed buildings
-Large acreage
-Properties with an annexe

Pricing is tailored to your clients’ individual circumstances. To find out more or discuss a case talk to your nearest Specialist Lending Manager.

Ready to talk?

Experience our first-class, personal service with a dedicated Specialist Business Development Manager and named underwriter for your cases.