Holiday let and buy to let

Need To Know
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Holiday let and buy to let

If your client is looking to remortgage or purchase a property specifically for letting purposes, or has decided to let an existing residential property, we could help.

  • Portfolio landlords cannot be considered. Our buy to let mortgage is only available to customers who will hold, personally or via limited companies, 3 or less mortgaged buy to let properties following completion of the transaction.
  • Regulated buy to let cases cannot be considered
  • Maximum LTV is 75%
  • At least one applicant must have a minimum income of £25,000 (or a combined income of £40,000 if a joint application)
For more information about our Buy-to-Let criteria, see our full Lending Criteria here

Holiday let mortgages

Variable rate mortgages

Deposit % Term Initial interest rate Follow on
rate
Overall cost for
comparison
Max LTV Arrangement
fee
Application
fee
25% 2 years 2.99% 5.99%
after 2 years
5.7% APRC 75.0% £0.00 £0.00

Fixed rate mortgages

Deposit % Term Initial interest rate Follow on
rate
Overall cost for
comparison
Max LTV Arrangement
fee
Application
fee
25% 5 years 4.24% 5.99%
after 5 years
5.6% APRC 75.0% £0.00 £199.00

Buy to let mortgages

Variable rate mortgages

Deposit % Term Initial interest rate Follow on
rate
Overall cost for
comparison
Max LTV Arrangement
fee
Application
fee
25% 2 years 3.49% 5.99%
after 2 years
5.8% APRC 75.0% £899.00 £99.00