Product Finder

Buy to let mortgage products

Take a look at our latest buy to let product range for landlords, limited companies and clients interested in HMO mortgages. With rates starting from 3.04%, we also offer up to 75% LTV on loans as high as £3m.

Combined with our common-sense lending, manual underwriting and individual case assessments, our products could help your landlord clients find the loan they need.

    • Up to 75% LTV available
    • Minimum property value £75,000
    • Maximum loan value £3m
    • Available in England and Wales
    • Portfolio landlords accepted
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Fixed 2 3.04% 2.5%

Yes

01660 KBTL2009
N/A 75% Fixed 2 3.54% 1.5%

Yes

01659 KBTL2009
N/A 75% Fixed 5 3.54% 2.5%

Yes

01662 KBTL2009
N/A 75% Fixed 5 3.74% 1.5%

Yes

01661 KBTL2009
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Fixed 3.04% 2 2.5%

Yes

01660 KBTL2009
N/A 75% Fixed 3.54% 2 1.5%

Yes

01659 KBTL2009
N/A 75% Fixed 3.54% 5 2.5%

Yes

01662 KBTL2009
N/A 75% Fixed 3.74% 5 1.5%

Yes

01661 KBTL2009

 

Find out how we can support your customers with furlough payments, bounce back loans and CBILS here.

 

Acceptable credit profile

*The restrictions may not apply in the following circumstances:

  • Where all CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • Where all CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • Where the 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.

 

If you have an existing application

If you currently have a case in progress where the valuation fees have been paid, the case fits our new criteria, and you wish to take advantage of the new products, please contact us to change the product.

Please speak to your BDM for more information.

 

Exclusions

The following exclusions apply:

  • No income supported buy to lets
  • No debt management plans
  • No holiday lets

 

Physical valuations

A physical valuation will be sourced from Connells via the standard process.

Connells has issued prescriptive guidance to follow around inspection protocols, which you can find here.

If this guidance isn't adhered to (e.g., the property is occupied or doors have been left closed), the surveyor may not go ahead with the valuation but will still charge the valuation fee for the on-site visit.

Terms and conditions

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

At the end of any initial deal, the Interest rate will revert to the standard variable rate. The standard variable rate can vary in line with the general level of Interest rates and economic conditions.

Consumer buy to let mortgages are regulated by the Mortgage Credit Directive Order 2015. Buy to let loans are not regulated mortgages.

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.

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

    • Up to 75% LTV available
    • Minimum property value £75,000
    • Maximum loan value £3m
    • HMOs up to six bedrooms and MUFBs accepted
    • Available in England and Wales
    • Portfolio landlords accepted
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Fixed 2 3.79% 1.5%

Yes

01663 SBTL2009
N/A 75% Fixed 5 3.99% 1.5%

Yes

01664 SBTL2009
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Fixed 3.79% 2 1.5%

Yes

01663 SBTL2009
N/A 75% Fixed 3.99% 5 1.5%

Yes

01664 SBTL2009

 

Find out how we can support your customers with furlough payments, bounce back loans and CBILS here.

 

Acceptable credit profile

*The restrictions may not apply in the following circumstances:

  • Where all CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • Where all CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • Where the 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.

 

If you have an existing application

If you currently have a case in progress where the valuation fees have been paid, the case fits our new criteria, and you wish to take advantage of the new products, please contact us to change the product.

Please speak to your BDM for more information.

 

Exclusions

The following exclusions apply:

  • No income supported buy to lets
  • No debt management plans
  • No holiday lets

 

Physical valuations

A physical valuation will be sourced from Connells via the standard process.

Connells has issued prescriptive guidance to follow around inspection protocols, which you can find here.

If this guidance isn't adhered to (e.g., the property is occupied or doors have been left closed), the surveyor may not go ahead with the valuation but will still charge the valuation fee for the on-site visit.

 

HMOs

Up to six lettable rooms

The underwriter is to determine that the tenant profile is acceptable and the rental voids can be sustained through the current COVID-19 situation. The latest bank statement to be reviewed to provide additional comfort on the rental income being received.

The surveyor is required to comment on the demand for the security in the light of the current market conditions.

Terms and conditions

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

At the end of any initial deal, the Interest rate will revert to the standard variable rate. The standard variable rate can vary in line with the general level of Interest rates and economic conditions.

Consumer buy to let mortgages are regulated by the Mortgage Credit Directive Order 2015. Buy to let loans are not regulated mortgages.

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.

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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