Buy to let

Residential

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HMOs up to 20 beds and MUFBs up to 10 units accepted
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No maximum loan on selected products
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£75,000 minimum property value
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More fee options alongside lower rates to help with affordability
icon
HMOs up to 20 beds and MUFBs up to 10 units accepted
icon
No maximum loan amount
icon
£75,000 minimum property value
icon
More fee options alongside lower rates to help with affordability
icon
MUFBs 11 to 20 bedrooms/units accepted
icon
No maximum loan amount
icon
£75,000 minimum property value
icon
More fee options alongside lower rates to help with affordability
Filters:
55% LTV 65% LTV 70% LTV 75% LTV 80% LTV
LTV Product Type Rate Fee ERC Loan amounts Assessment rate Product code
55% 2 years fixed 3.69% 5%

4%, 3%

£100,000 min loan
No max loan

 5.50% 03500 KBTL2502 Apply
55% 5 years fixed 4.39% 7%

5%, 5%, 4%,
4%, 3%

£100,000 min loan
No max loan

 4.39% 03501 KBTL2502 Apply
65% 2 years fixed 3.74% 5%

4%, 3%

£100,000 min loan
No max loan

 5.50% 03502 KBTL2502 Apply
65% 5 years fixed 4.49% 7%

5%, 5%, 4%,
4%, 3%

£100,000 min loan
No max loan

 4.49% 03503 KBTL2502 Apply
70% 2 years fixed 3.84% 5%

4%, 3%

£100,000 min loan
No max loan

 5.50% 03504 KBTL2502 Apply
70% 5 years fixed 4.59% 7%

5%, 5%, 4%,
4%, 3%

£100,000 min loan
No max loan

 4.59% 03505 KBTL2502 Apply
75% 2 years fixed 3.69% 5%

4%, 3%

£200,000 min loan
No max loan

 5.50% 03533 KBTL2504 Apply
75% 2 years fixed 3.89% 5%

4%, 3%

£100,000 min loan
No max loan

 5.50% 03506 KBTL2502 Apply
75% 2 years fixed 5.89% £1,999

4%, 3%

£100,000 min loan
£255,000 max loan

 7.44% 03406 KBTL2501 Apply
75% 2 years fixed 5.89% £3,899

4%, 3%

£255,000 min loan
£500,000 max loan

 7.44% 03407 KBTL2501 Apply
75% 2 years fixed 5.89% £6,699

4%, 3%

£500,000 min loan
£1,000,000 max loan

 7.44% 03408 KBTL2501 Apply
75% 5 years fixed 4.94% 5%

5%, 5%, 4%,
4%, 3%

£200,000 min loan
No max loan

 4.94% 03532 KBTL2504 Apply
75% 5 years fixed 5.04% 5%

5%, 5%, 4%,
4%, 3%

£100,000 min loan
No max loan

 5.04% 03507 KBTL2502 Apply
75% 5 years fixed 5.89% £1,999

5%, 5%, 4%,
4%, 3%

£100,000 min loan
£255,000 max loan

 5.89% 03409 KBTL2501 Apply
75% 5 years fixed 5.89% £3,899

5%, 5%, 4%,
4%, 3%

£255,000 min loan
£500,000 max loan

 5.89% 03410 KBTL2501 Apply
75% 5 years fixed 5.89% £6,699

5%, 5%, 4%,
4%, 3%

£500,000 min loan
£1,000,000 max loan

 5.89% 03411 KBTL2501 Apply
80% 2 years fixed 6.09% £1,999

4%, 3%

£100,000 min loan
£255,000 max loan

 7.64% 03412 KBTL2501 Apply
80% 2 years fixed 6.09% £3,899

4%, 3%

£255,000 min loan
£500,000 max loan

 7.64% 03413 KBTL2501 Apply
80% 2 years fixed 6.09% £6,699

4%, 3%

£500,000 min loan
£1,000,000 max loan

 7.64% 03414 KBTL2501 Apply
80% 5 years fixed 6.09% £1,999

5%, 5%, 4%,
4%, 3%

£100,000 min loan
£255,000 max loan

 6.09% 03415 KBTL2501 Apply
80% 5 years fixed 6.09% £3,899

5%, 5%, 4%,
4%, 3%

£255,000 min loan
£500,000 max loan

 6.09% 03416 KBTL2501 Apply
80% 5 years fixed 6.09% £6,699

5%, 5%, 4%,
4%, 3%

£500,000 min loan
£1,000,000 max loan

 6.09% 03417 KBTL2501 Apply
Load moreresidetlsdownarr

Revert rate: BBR + 2.50%
Bank of England Base Rate (BBR): 4.50%
Application fee: £145

 

Apply

Acceptable credit profile

*These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • All CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application

**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.

CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**
Filters:
75% LTV 55% LTV 65% LTV 80% LTV
LTV Product Type Rate Fee ERC Loan amounts Assessment rate Product code
75% 2 year tracker 5.09% (BBR + 0.59%) 3%

1%, 1%

£50,000 min loan
No max loan

 6.64% 02896 KBTL2407 Apply
75% 2 year tracker 5.09% (BBR + 0.59%) 4%

-

£50,000 min loan
No max loan

 6.64% 02897 KBTL2407 Apply
55% 2 years fixed 5.14% 2.5%

4%, 3%

£50,000 min loan
No max loan

 6.69% 03509 KBTL2502 Apply
55% 2 years fixed 5.77% 1.25%

4%, 3%

£50,000 min loan
No max loan

 7.32% 03510 KBTL2502 Apply
55% 5 years fixed 4.94% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 4.94% 03511 KBTL2502 Apply
55% 5 years fixed 5.44% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.44% 03512 KBTL2502 Apply
65% 2 years fixed 5.24% 2.5%

4%, 3%

£50,000 min loan
No max loan

 6.79% 03514 KBTL2502 Apply
65% 2 years fixed 5.87% 1.25%

4%, 3%

£50,000 min loan
No max loan

 7.42% 03515 KBTL2502 Apply
65% 5 years fixed 5.04% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.04% 03516 KBTL2502 Apply
65% 5 years fixed 5.54% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.54% 03517 KBTL2502 Apply
75% 2 years fixed 5.34% 2.5%

4%, 3%

£50,000 min loan
No max loan

 6.89% 03519 KBTL2502 Apply
75% 2 years fixed 5.97% 1.25%

4%, 3%

£50,000 min loan
No max loan

 7.52% 03520 KBTL2502 Apply
75% 5 years fixed 5.14% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.14% 03521 KBTL2502 Apply
75% 5 years fixed 5.64% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.64% 03522 KBTL2502 Apply
80% 2 years fixed 5.99% 2.5%

4%, 3%

£50,000 min loan
No max loan

 7.54% 03434 KBTL2501 Apply
80% 2 years fixed 6.62% 1.25%

4%, 3%

£50,000 min loan
No max loan

 8.17% 03435 KBTL2501 Apply
80% 5 years fixed 5.59% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.59% 03436 KBTL2501 Apply
80% 5 years fixed 6.09% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 6.09% 03437 KBTL2501 Apply
Load moreresidetlsdownarr

Revert rates:
BBR + 2.50% for 2 Year and 5 Year Fixed products
BBR + 3.25% for Tracker products
Bank of England Base Rate (BBR): 4.50%
Application fee: £145

 

Apply

Acceptable credit profile

*These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • All CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application

**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.

CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**
Filters:
75% LTV 80% LTV
LTV Product Type Rate Fee ERC Loan amounts Assessment rate Product code
75% 2 years fixed 5.49% 2.5%

4%, 3%

£50,000 min loan
No max loan

 7.04% 03524 KBTL2502 Apply
75% 2 years fixed 6.12% 1.25%

4%, 3%

£50,000 min loan
No max loan

 7.67% 03525 KBTL2502 Apply
75% 5 years fixed 5.34% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.34% 03526 KBTL2502 Apply
75% 5 years fixed 5.84% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.84% 03527 KBTL2502 Apply
80% 2 years fixed 6.14% 2.5%

4%, 3%

£50,000 min loan
No max loan

 7.69% 03442 KBTL2501 Apply
80% 2 years fixed 6.77% 1.25%

4%, 3%

£50,000 min loan
No max loan

 8.32% 03443 KBTL2501 Apply
80% 5 years fixed 5.79% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.79% 03444 KBTL2501 Apply
80% 5 years fixed 6.29% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 6.29% 03445 KBTL2501 Apply
Load moreresidetlsdownarr

Revert rate: BBR + 2.50%
Bank of England Base Rate (BBR): 4.50%
Application fee: £145

 

Apply

Acceptable credit profile

*These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • All CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application

**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.

CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**
Here to help, whatever the case

We know that every buy to let case is different and while some lenders may not be able to help, we see the potential. Our strength lies in our flexible, common-sense approach with a willingness to consider cases that fall outside of standard criteria.

We accept consumer buy to let applications.

We don’t require experienced landlords to have their own residential property.

We accept HMO applications for properties with up to six lettable rooms.

Loans available with just a 20% deposit to help aspiring landlords buy their first HMO.

We accept intercompany loans, shareholder deposits and director loans as deposits.

We don’t apply specific SIC code requirements and we accept newly formed SPVs and LLPs.

We don’t set limits on the size or value of existing portfolios held with other lenders.

There’s no limit on the number or value of properties mortgaged with us.

We’ll consider HMOs/MUFBs with up to 20 lettable rooms/units.

Applications with multiple flats or houses on a single freehold are accepted.

Investment valuations can be instructed on certain 5 and 6 bed HMOs.

Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

See moreresidownarrow

All mortgage products are subject to availability of funds and can be withdrawn at any time.

For interest only or part repayment/part interest only, it's your client'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. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

Download the full mortgage terms and conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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