Standard Buy to Let Further Advance

Standard Buy to Let Further Advance mortgages from Kent Reliance offer your private and professional landlord clients the opportunity to borrow more against their existing mortgage. Loans are available with 65%, 75%, 80% and 85% LTV options, with terms of up to 5 years for our fixed Standard Buy to Let Further Advance mortgage products.

You will need to use our Buy to Let Hub. Find out more.

How to apply

Please click here for information on how to apply for Further Advances.

Product detail

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable1 2 3.84% 0.75% No ERCs 00936 KFAB1609
65% Fixed 2 3.79% 0.75% 3% in years one and two 00937 KFAB1609
75% Discounted Variable2 2 4.04% 0.75% No ERCs 00704 KFAB1605
75% Fixed 2 3.99% 0.75% 4% in year one, 3% in year two 00705 KFAB1605
75% Fixed 5 3.79% 1.00% 5% in year one, 4% in year two and 3% in years three, four and five 01076 KFAB17F5
80% Discounted Variable3 2 4.54% 0.75% No ERCs 00708 KFAB1605
80% Fixed 2 4.49% 0.75% 4% in year one, 3% in year two 00709 KFAB1605
80% Fixed 5 4.39% 1.00% 5% in year one, 4% in year two and 3% in years three, four and five 01231 KFAB17F5
85% Discounted Variable4 2 5.24% 1.25% No ERCs 00584 KFAB1605
85% Fixed 2 5.19% 1.25% 4% in year one, 3% in year two 00585 KFAB1605
85% Fixed 5 5.29% 1.25% 5% in year one, 4% in year two and 3% in years three, four and five 01232 KFAB17F5

12.99% |22.79% | 32.29% | 41.59%

The Buy to let standard variable rate (the revert rate) is 6.83%.

Application fee £130 payable at time of application. This is to cover assessing and processing the application (even if the application is unsuccessful or is withdrawn). CHAPS fee £30 payable at time of application. Please note that applications will not be processed until this fee is received.

All our products are subject to availability and may be withdrawn at any time.

ERCs may be incurred for full redemption or repayment of capital.

The figures in these illustrations only relate to the additional borrowing amount. 

Download Further Advance guide

Product terms and conditions

  • These products are available on repayment or interest-only terms.
  • At the end of any initial deal, the interest rate will revert to the BTL standard variable rate.
  • The BTL variable rate can vary in line with the general level of interest rates and economic conditions.
  • If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable.
  • Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge. 
  • A list of our fees and charges accompanies all Offer Letters.
  • Maximum loan is £1,000,000.
  • Minimum loan is £15,000.
  • The term of any additional borrowing must not exceed the term of the existing mortgage. 
  • Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.
  • These mortgage products are not portable.
  • All mortgage products are subject to availability of funds and can be withdrawn at any time.
  • Buy to let loans are not regulated mortgages.
For Interest-only or part repayment/ part-interest only, it is the borrower's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan. 

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. 

Written quotations available on request. For customer service and training purposes, calls with Kent Reliance may be monitored and/or recorded. 


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Calculated at 5% interest rate

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