Standard buy to let

Applications in individual name

Single houses

Single flats

Large loans

Loans of £750,000+

Portfolio and non-portfolio landlords welcome

Specialist buy to let

Applications in individual name

HMOs and student lets

Multiple units on one freehold

Large loans

Loans of £750,000+

Portfolio and non-portfolio landlords welcome

Expat buy to let

For UK citizens temporarily living abroad

Minimum loan size £125,000

Applicants must own a UK property

Limited company

Non-trading SPVs

UK-Based LLPs and limited companies

Maximum four directors

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

Expats

The income

Rental income requirements

Using passing rent to calculate estimated loan size

Income-backed buy to let

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

Assets and liabilities statement

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

Product guide

Further advance 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 

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

Near prime

No value limits on CCJs, arrears or defaults

Debt management plans satisfactory for 12+ months

Contractors and self-employed considered

Shared ownership residential

Part own/part rent mortgages

Up to 100% maximum share value

Housing association must permit 100% staircasing

Product transfer

New mortgage products for existing customers

Online submission available for some accounts

No underwriting assessment required

Further advances

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)

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