Important Information

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Product Finder

Standard buy to let mortgages

Our standard buy to let products are suitable for landlords operating in their own name purchasing ‘straightforward’ property types.

  • Apps in individual name
  • Single houses
  • Single flats
    • Loans up to £750,000
    • Professional landlords welcome
    • First-time landlords considered
    • Affordability based on rental cover and income
    • Repayment, interest only or part and part
    • Min loan £50,000 (or £100,000 over 75% LTV)
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 65% Discounted variable 2 3.84% 1.5%

No

00671 KBTL1605
N/A 65% Fixed 2 3.79% 1.5%

Yes

00672 KBTL1605
N/A 75% Discounted variable 2 4.04% 1.5%

No

00616 KBTL1605
N/A 75% Fixed 2 3.99% 1.5%

Yes

00617 KBTL1605
N/A 75% Fixed 5 3.79% 2%

Yes

00996 KBTL17F5
N/A 80% Discounted variable 2 4.54% 1.5%

No

00620 KBTL1605
N/A 80% Fixed 2 4.49% 1.5%

Yes

00621 KBTL1605
N/A 80% Fixed 5 4.39% 2%

Yes

01203 KBTL17F5
N/A 85% Discounted variable 2 5.24% 2.5%

No

00497 KBTL1507
N/A 85% Fixed 2 5.19% 2.5%

Yes

00498 KBTL1507
N/A 85% Fixed 5 5.29% 2.5%

Yes

01204 KBTL17F5
MSV LTV Type Rate Term Product fee ERC Product code
N/A 65% Discounted variable 3.84% 2 1.5%

No

00671 KBTL1605
N/A 65% Fixed 3.79% 2 1.5%

Yes

00672 KBTL1605
N/A 75% Discounted variable 4.04% 2 1.5%

No

00616 KBTL1605
N/A 75% Fixed 3.99% 2 1.5%

Yes

00617 KBTL1605
N/A 75% Fixed 3.79% 5 2%

Yes

00996 KBTL17F5
N/A 80% Discounted variable 4.54% 2 1.5%

No

00620 KBTL1605
N/A 80% Fixed 4.49% 2 1.5%

Yes

00621 KBTL1605
N/A 80% Fixed 4.39% 5 2%

Yes

01203 KBTL17F5
N/A 85% Discounted variable 5.24% 2 2.5%

No

00497 KBTL1507
N/A 85% Fixed 5.19% 2 2.5%

Yes

00498 KBTL1507
N/A 85% Fixed 5.29% 5 2.5%

Yes

01204 KBTL17F5

Terms and conditions

All mortgage products are subject to availability of funds and can be withdrawn at any time.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

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.

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.

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

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 25 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

    • Professional landlords welcome
    • Affordability: rental cover and income backed
    • Repayment and Interest only options
    • Up to 80% LTV
    • Portfolio and non-portfolio landlords considered
    • Loans over £750,000
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 65% Discounted variable 2 3.84% 1.5%

No

00671 KBTL1605
N/A 65% Fixed 2 3.79% 1.5%

Yes

00672 KBTL1605
N/A 75% Discounted variable 2 4.04% 1.25%

No

00655 KBLL1605
N/A 75% Fixed 2 3.99% 1.25%

Yes

00656 KBLL1605
N/A 75% Fixed 5 3.79% 1.75%

Yes

01028 KBLL17F5
N/A 80% Discounted variable 2 4.54% 1.25%

No

00659 KBLL1605
N/A 80% Fixed 2 4.49% 1.25%

Yes

00660 KBLL1605
N/A 80% Fixed 5 4.39% 1.75%

Yes

01211 KBLL17F5
MSV LTV Type Rate Term Product fee ERC Product code
N/A 65% Discounted variable 3.84% 2 1.5%

No

00671 KBTL1605
N/A 65% Fixed 3.79% 2 1.5%

Yes

00672 KBTL1605
N/A 75% Discounted variable 4.04% 2 1.25%

No

00655 KBLL1605
N/A 75% Fixed 3.99% 2 1.25%

Yes

00656 KBLL1605
N/A 75% Fixed 3.79% 5 1.75%

Yes

01028 KBLL17F5
N/A 80% Discounted variable 4.54% 2 1.25%

No

00659 KBLL1605
N/A 80% Fixed 4.49% 2 1.25%

Yes

00660 KBLL1605
N/A 80% Fixed 4.39% 5 1.75%

Yes

01211 KBLL17F5

Terms and Conditions

All mortgage products are subject to availability of funds and can 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.

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 Key Facts Illustrations (KFI).

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.

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

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

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 25 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 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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