Buy to let

Residential

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HMOs up to 20 bedrooms and MUFBs with up to 10 units accepted
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No maximum loan amount
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£75,000 minimum property value
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£50,000 minimum loan amount
LTV Type Term Initial rate Fee Loan amounts ERC Product details
70% Fixed 2 4.59% 5%

Unlimited

Yes

 Show details

Product: 02646 KBTL2402

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  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 4%
Year two: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

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75% Tracker 2 5.99% 3%

Unlimited

Yes

 Show details

Product: 02631 KBTL2401

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Tracker

BBR+0.74%

Term

5-35 years

Early repayment charges

Year one: 1%
Year two: 1%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
75% Tracker 2 5.99% 4%

Unlimited

No

 Show details

Product: 02632 KBTL2401

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Tracker

BBR+0.74%

Term

5-35 years

Early repayment charges

No ERC

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
75% Fixed 2 5.34% 3.5%

Unlimited

Yes

 Show details

Product: 02647 KBTL2402

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 4%
Year two: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
75% Fixed 2 5.84% 2.5%

Unlimited

Yes

 Show details

Product: 02648 KBTL2402

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 4%
Year two: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
75% Fixed 5 5.39% 5%

Unlimited

Yes

 Show details

Product: 02758 KBTL2403

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 5%
Year two: 5%
Year three: 4%
Year four: 4%
Year five: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
75% Fixed 5 5.69% 3.5%

Unlimited

Yes

 Show details

Product: 02759 KBTL2403

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 5%
Year two: 5%
Year three: 4%
Year four: 4%
Year five: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
75% Fixed 5 5.89% 2.5%

Unlimited

Yes

 Show details

Product: 02760 KBTL2403

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 5%
Year two: 5%
Year three: 4%
Year four: 4%
Year five: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
80% Fixed 2 5.84% 3.5%

Unlimited

Yes

 Show details

Product: 02702 KBTL2403

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 4%
Year two: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
80% Fixed 2 6.34% 2.5%

Unlimited

Yes

 Show details

Product: 02703 KBTL2403

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 4%
Year two: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
80% Fixed 5 5.99% 3.5%

Unlimited

Yes

 Show details

Product: 02704 KBTL2403

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 5%
Year two: 5%
Year three: 4%
Year four: 4%
Year five: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
80% Fixed 5 6.19% 2.5%

Unlimited

Yes

 Show details

Product: 02705 KBTL2403

Close

  • Repayment terms available
  • Contractors considered
  • Self-employed considered
  • Porting available

Minimum loan

£50,000

Maximum loan

Unlimited

Term

5-35 years

Early repayment charges

Year one: 5%
Year two: 5%
Year three: 4%
Year four: 4%
Year five: 3%

Maximum no. of applicants

4

Application fee

£145


CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**

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.

View our product guide

And there’s more… take a look at our online criteria guide here.

Revert rate : BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%

Apply arrow icon
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 with up to 20 lettable rooms and MUFBs with up to ten units.

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

Investment valuations can be instructed on 5 and 6 bed HMOs in Article 4 areas.

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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