Buy to let mortgages:

Up to 80% LTV available

Applications in individual name

Maximum loan £3m

Buy to let product transfer

New mortgage products for existing customers

Online submission available for some accounts

No underwriting assessment required

Additional borrowing

For existing customers requiring larger loans

Term must not exceed that of the original mortgage

Exclusions apply on use of funds

The applicant

Portfolio landlords

Residency

SPV, limited companies (Ltd) and LLPs

The income

Rental income requirements

Using passing rent to calculate estimated loan size

The loan

Further advances

Source of deposit

Remortgages

Let to buy

The property

Security

Exposure limits

Tenure

HMOs

Flats

Tenancy

Self-build

Application and product fees

Standard valuation fees

Specialist valuation fees

Complex valuation fees

Legal fees

Direct debits

Buy to let

First-time landlords

Expanding a portfolio

Remortgages

Income-backed calculator

Landlords with strong income

Low residential leverage

Low-yielding rent

Non-portfolio app forms

Mortgage application form

Consents and declarations

Direct debit mandate

Buy to let property schedule

Portfolio app forms

Mortgage application form

Consents and declarations

Direct debit mandate

Additional applicants application form

Buy to let property schedule

Business plan

Further advance app form

Further advance AIP and application form

Product transfer app form

Product transfer broker authorisation form

Downloads for solicitors

Solicitor instructions

Solicitor registration form

Certificate of title

Consent and undertaking

Mortgage deed

Mortgage terms and conditions

Deed of postponement

Guides

Buy to let mortgage products guide

Broker portal user guide

Portfolio submission platform (BTL Hub) user guide

Client reference sheets

Fees and charges

Submitting non-portfolio apps

Register

Log in to the portal

Select your journey

Produce an illustration

Submit an AIP

Submit your full app

Completion

Submitting portfolio apps

Register

Log in to the portal

Select your journey

Produce an illustration

Submit an AIP

Submit your full app

Completion

Submitting further advances

Complete form

Email

Completion

Submitting product transfers

Use the correct online or paper process

Submit a product transfer request

Confirmation and completion

Submitting a transfer of equity

Contact us

Transfer to a limited company

Ensure eligibility

Gather required details and forms

Contact our team

Completion

Prime loans:

Up to 90% LTV available

Minimum loan £50k

Maximum loan £3m

Near Prime 1:

Up to 85% LTV available

Minimum property value £75k

Maximum loan £3m

Shared ownership mortgages:

Part own/part rent mortgages

Up to 100% maximum share

Residential product transfer

New mortgage products for existing customers

Online submission available for some accounts

No underwriting assessment required

Residential further advance

For existing customers requiring larger loans

Term must not exceed that of the original mortgage

Exclusions apply on use of funds

The applicant

Prime criteria

Near prime criteria

Shared ownership criteria

Employed and self-employed criteria

Contractors criteria

The Income

Self-employed income

Overtime

Commission

Limited company income

Rental income

Secondary incomes

The loan

Loan purpose

Minimum and maximum loans

Source of deposits

Remortgages

Further advances

Interest only

The property

Flats

New builds, newly converted properties and renovations

Self-build

Shared ownership

The fees and charges

Application and product fees

Standard valuation fees

Mortgage payments (direct debit)

Buy to let

First-time buyers

Expanding a portfolio

Remortgages

Submitting a new app

Register

Log in to the portal

Produce an illustration

Submit an AIP

Submit your full application

Completion

Submitting further advances

Complete form

Email

Completion

Submitting product transfers

Use the correct online or paper process

Submit a product transfer request

Confirmation and completion

Submitting porting apps

Complete form

Email

Completion

Submitting transfer of equity

Contact us