Buy to let

Residential

  • Products
    • Prime

      • Prime 

        For clients with a clear credit history

        Contractors considered

        Self-employed applicants considered

        Large loans

        Loans of £500k plus

        Asset-backed interest-only options available

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    • Near prime

      • Near prime

        No value limits on CCJs, arrears or defaults

        Debt management plans satisfactory for 12+ months

        Contractors and self-employed considered

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    • Shared ownership

      • Shared ownership residential

        Part own/part rent mortgages

        Up to 100% maximum share value

        Housing association must permit 100% staircasing

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    • Product transfer

      • Product transfer

        New mortgage products for existing customers

        Online submission available for some accounts

        No underwriting assessment required

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    • Further advances

      • Further advances

        For existing customers requiring larger loans

        Term must not exceed that of the original mortgage

        Exclusions apply on use of funds

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  • Criteria
    • The applicant

      • The applicant

        Prime criteria

        Near prime criteria

        Shared ownership criteria

        Employed and self-employed criteria

        Contractors criteria

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    • The income

      • The Income

        Self-employed income

        Overtime

        Commission

        Limited company income

        Rental income

        Secondary incomes

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    • The loan

      • The loan

        Loan purpose

        Minimum and maximum loans

        Source of deposits

        Remortgages

        Further advances

        Interest only

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    • The property

      • The property

        Flats

        New builds, newly converted properties and renovations

        Self-build

        Shared ownership

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    • Fees and charges

      • The fees and charges

        Application and product fees

        Standard valuation fees

        Mortgage payments (direct debit)

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  • Calculator

    • Residential calculator

      Calculate your client’s maximum loan

      For guide purposes only

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  • Literature
    • Residential app forms

      • Residential app forms

        Mortgage application form

        Additional applicants application form

        Consents and declarations

        Direct debit mandate

        Buy to let property schedule

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    • Further advance app forms

      • Further advance app forms

        Further advance AIP and application form

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    • Product transfer app forms

      • Product transfer app forms

        Product transfer broker authorisation form

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    • Downloads for solicitors

      • Downloads for solicitors

        Solicitor instructions

        Solicitor registration form

        Certificate of title

        Consent and undertaking

        Mortgage deed

        Terms and conditions

        Deed of postponement

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    • Guides

      • Guides

        Product guide

        Further advance guide

        Broker portal user guide

        Portfolio submission platform (BTL Hub) user guide

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    • Client reference sheets

      • Client reference sheets

        Fees and charges

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Landlord Profitability: The value of investing for the long term

How the profitability of UK landlords varies across the country

Long-term property investment could deliver significant returns for landlords, despite recent regulatory and taxation changes. In the latest report from The Buy to Let Research Series - Landlord Profitability: The value of investing for the long term – examines the current financial situation of landlords and their expected returns over a 25-year period and how this varies across the UK. See how you compare by downloading the report now.

Key aspects of the report

  • Average net profit of £265,000 for landlords per property
  • Estimated tax contribution to Treasury by landlords
  • Rental income and running costs for typical landlords
  • Rental income over 25 years around £369,500

Frequently Asked Questions

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© OneSavings Bank plc 2020.

krbs, Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. Registered in England and Wales (company number 7312896). Registered office: Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. 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). We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service.

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