Looking for an investment property, or to move to the UK? Find out if you could apply for a mortgage in the UK.
Which countries or regions can you apply from?
- Australia
- Guernsey
- Hong Kong
- Isle of Man
- Jersey
- Singapore
- Switzerland
- United Arab Emirates (UAE)
- United States of America (USA)
Please note: If you're not yet a UK resident and you're looking to apply for a residential mortgage, you'll need to complete your application with an advisor. But, this may not always be possible in all of the locations listed above.
Who can apply?
Residential mortgage
If you're a non-UK resident or a foreign national living in the UK for less than 12 months, to apply for a residential mortgage in the UK, you should check that:
- you're a resident in one of the countries/regions listed above
- you can speak proficient English
- you earn a basic annual income of at least £75,000 – or if you're a UAE national, your annual income is at least 1 million AED (or equivalent in an approved currency)
- your loan-to-value (LTV) will be a maximum of 75%
Buy-to-let mortgage
If you're a non-UK resident or a foreign national living in the UK for less than 12 months, to apply for a buy-to-let mortgage in the UK, you should check that:
- you're a resident in one of the countries/regions listed above
- you can speak proficient English
- you earn a basic annual income of at least £50,000 (or £75,000 if you're self-employed) – or if you're a UAE national, your annual income is at least 1 million AED (or equivalent in an approved currency)
- you have a deposit of at least 25% of the property value or 35% for mortgages above £1 million
What's a Loan-to-value (LTV)?
Your loan-to-value represents the percentage of the property price you want to borrow. For example, a £100,000 property with an £75,000 mortgage would have a 75% LTV. The maximum LTV we'll lend non-UK residents is 75%, but this also depends on your individual situation.
How to apply
If you're a resident in one of the above countries or regions and you'd like to apply for a mortgage in the UK, you won't be able to apply online, instead just give us a call on:
+44 800 169 6333
| Residential rates for non-UK residents/new to UK1 |
Take a look at our latest rates, if you're interested in applying for a residential mortgage in the UK.
Fixed-rate mortgages
A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change. An Early Repayment Charge may apply during the fixed rate period.
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.69% |
6.99% |
2 Years fixed rate until 28.02.26 |
6.9% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 2 Year Fixed Standard | 5.38% fixed |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| 3 Year Fixed Fee Saver |
5.59% |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 3 Year Fixed Standard | 5.33% fixed |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| 5 Year Fixed Fee Saver |
5.39% |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 5 Year Fixed Standard |
5.19% fixed |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| 5 Year Fixed Premier Standard | 5.16% fixed |
6.99% | 5 Years fixed rate until 28.02.29 | 6.5% APRC |
£1499 | 10% | £0 | £ 5,000,000 |
| 10 Year Fixed Fee Saver |
5.49% |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 10 Year Fixed Standard | 5.39% fixed |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.69% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 2 Year Fixed Standard |
| Initial interest rate |
5.38% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate |
5.59% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 3 Year Fixed Standard |
| Initial interest rate |
5.33% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 5,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.39% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
5.19% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
5.16% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee | £1499 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 5,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 10 Year Fixed Standard |
| Initial interest rate |
5.39% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 5,000,000 |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.84% |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 2 Year Fixed Standard | 5.49% fixed |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Fee Saver |
5.84% |
6.99% |
3 Years fixed rate until 28.02.27 |
6.9% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Standard | 5.49% fixed |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Fee Saver |
5.49% |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Standard |
5.24% fixed |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Premier Standard | 5.21% fixed |
6.99% | 5 Years fixed rate until 28.02.29 | 6.5% APRC |
£1499 | 10% | £0 | £ 2,000,000 |
| 10 Year Fixed Fee Saver |
5.49% |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 10 Year Fixed Standard | 5.39% fixed |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 2 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 3 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
5.24% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
5.21% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee | £1499 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 10 Year Fixed Standard |
| Initial interest rate |
5.39% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.84% |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 2 Year Fixed Standard | 5.49% fixed |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Fee Saver |
5.84% |
6.99% |
3 Years fixed rate until 28.02.27 |
6.9% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Standard | 5.49% fixed |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Fee Saver |
5.49% |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Standard |
5.24% fixed |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Premier Standard | 5.21% fixed |
6.99% | 5 Years fixed rate until 28.02.29 | 6.5% APRC |
£1499 | 10% | £0 | £ 2,000,000 |
| 10 Year Fixed Fee Saver |
5.49% |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 10 Year Fixed Standard | 5.39% fixed |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 2 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 3 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
5.24% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
5.21% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee | £1499 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 10 Year Fixed Standard |
| Initial interest rate |
5.39% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
60% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.69% |
6.99% |
2 Years fixed rate until 28.02.26 |
6.9% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 2 Year Fixed Standard | 5.38% fixed |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| 3 Year Fixed Fee Saver |
5.59% |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 3 Year Fixed Standard | 5.33% fixed |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| 5 Year Fixed Fee Saver |
5.39% |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 5 Year Fixed Standard |
5.19% fixed |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| 5 Year Fixed Premier Standard | 5.16% fixed |
6.99% | 5 Years fixed rate until 28.02.29 | 6.5% APRC |
£1499 | 10% | £0 | £ 5,000,000 |
| 10 Year Fixed Fee Saver |
5.49% |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£0 |
10% |
£0 | £ 5,000,000 |
| 10 Year Fixed Standard | 5.39% fixed |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£999 |
10% |
£0 | £ 5,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.69% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 2 Year Fixed Standard |
| Initial interest rate |
5.38% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate |
5.59% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 3 Year Fixed Standard |
| Initial interest rate |
5.33% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 5,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.39% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
5.19% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
5.16% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee | £1499 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 5,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | 10 Year Fixed Standard |
| Initial interest rate |
5.39% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 5,000,000 |
70% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.84% |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 2 Year Fixed Standard | 5.49% fixed |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Fee Saver |
5.84% |
6.99% |
3 Years fixed rate until 28.02.27 |
6.9% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Standard | 5.49% fixed |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Fee Saver |
5.49% |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Standard |
5.24% fixed |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Premier Standard | 5.21% fixed |
6.99% | 5 Years fixed rate until 28.02.29 | 6.5% APRC |
£1499 | 10% | £0 | £ 2,000,000 |
| 10 Year Fixed Fee Saver |
5.49% |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 10 Year Fixed Standard | 5.39% fixed |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 2 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 3 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
5.24% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
5.21% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee | £1499 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 10 Year Fixed Standard |
| Initial interest rate |
5.39% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
75% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.84% |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 2 Year Fixed Standard | 5.49% fixed |
6.99% |
2 Years fixed rate until 28.02.26 |
7.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Fee Saver |
5.84% |
6.99% |
3 Years fixed rate until 28.02.27 |
6.9% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 3 Year Fixed Standard | 5.49% fixed |
6.99% |
3 Years fixed rate until 28.02.27 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Fee Saver |
5.49% |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Standard |
5.24% fixed |
6.99% |
5 Years fixed rate until 28.02.29 |
6.5% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Premier Standard | 5.21% fixed |
6.99% | 5 Years fixed rate until 28.02.29 | 6.5% APRC |
£1499 | 10% | £0 | £ 2,000,000 |
| 10 Year Fixed Fee Saver |
5.49% |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 10 Year Fixed Standard | 5.39% fixed |
6.99% |
10 Years fixed rate until 28.02.34 |
6.1% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 2 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate |
5.84% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 3 Year Fixed Standard |
| Initial interest rate |
5.49% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
3 Years fixed rate until 28.02.27 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
5.24% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
5.21% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.5% APRC |
| Booking fee | £1499 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate |
5.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | 10 Year Fixed Standard |
| Initial interest rate |
5.39% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
10 Years fixed rate until 28.02.34 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
Tracker mortgages
A tracker mortgage is a variable rate mortgage linked to the Bank of England base rate that rises or falls with it. This will affect your monthly repayments. Our tracker mortgages are available over a 2-year period.
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.84% variable |
6.99% |
2 Years |
7.1% |
£999 |
£0 | £ 5,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.84% variable |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.1% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.94% variable |
6.99% |
2 Years |
7.1% |
£999 |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.94% variable |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.1% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.94% variable |
6.99% |
2 Years |
7.1% |
£999 |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.94% variable |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.1% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
60% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.84% variable |
6.99% |
2 Years |
7.1% |
£999 |
£0 | £ 5,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.84% variable |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.1% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 5,000,000 |
70% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.94% variable |
6.99% |
2 Years |
7.1% |
£999 |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.94% variable |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.1% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
75% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.94% variable |
6.99% |
2 Years |
7.1% |
£999 |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.94% variable |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.1% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Buy-to-let rates for non-UK residents/new to UK1 |
Take a look at our latest rates, if you're looking to apply for a buy-to-let mortgage for a property in the UK.
Fixed-rate mortgages
A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change. An Early Repayment Charge may applyduring the fixed rate period
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver Buy To Let |
6.04% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.5% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 2 Year Fixed Standard Buy To Let |
5.54% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.7% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Fee Saver Buy To Let |
5.39% |
7.60% |
5 Years fixed rate until 28.02.29 |
6.8% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Standard Buy To Let |
5.09% |
7.60% |
5 Years fixed rate until 28.02.29 |
7.0% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Fixed Fee Saver Buy To Let |
|---|---|
| Initial interest rate |
6.04% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.54% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
5.39% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.09% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver Buy To Let |
6.04% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.5% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 2 Year Fixed Standard Buy To Let |
5.59% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Fee Saver Buy To Let |
5.39% |
7.60% |
5 Years fixed rate until 28.02.29 |
6.8% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Standard Buy To Let |
5.09% |
7.60% |
5 Years fixed rate until 28.02.29 |
7.0% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Fixed Fee Saver Buy To Let |
|---|---|
| Initial interest rate |
6.04% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.59% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
5.39% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.09% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver Buy To Let |
6.14% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.6% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 2 Year Fixed Standard Buy To Let |
5.64% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Fee Saver Buy To Let |
5.54% |
7.60% |
5 Years fixed rate until 28.02.29 |
6.9% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Standard Buy To Let |
5.29% |
7.60% |
5 Years fixed rate until 28.02.29 |
7.1% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Fixed Fee Saver Buy To Let |
|---|---|
| Initial interest rate |
6.14% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.64% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
5.54% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.29% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
7.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
60% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver Buy To Let |
6.04% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.5% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 2 Year Fixed Standard Buy To Let |
5.54% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.7% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Fee Saver Buy To Let |
5.39% |
7.60% |
5 Years fixed rate until 28.02.29 |
6.8% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
| 5 Year Fixed Standard Buy To Let |
5.09% |
7.60% |
5 Years fixed rate until 28.02.29 |
7.0% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Fixed Fee Saver Buy To Let |
|---|---|
| Initial interest rate |
6.04% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.54% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
5.39% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.09% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
65% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver Buy To Let |
6.04% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.5% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 2 Year Fixed Standard Buy To Let |
5.59% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Fee Saver Buy To Let |
5.39% |
7.60% |
5 Years fixed rate until 28.02.29 |
6.8% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Standard Buy To Let |
5.09% |
7.60% |
5 Years fixed rate until 28.02.29 |
7.0% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Fixed Fee Saver Buy To Let |
|---|---|
| Initial interest rate |
6.04% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.5% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.59% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
5.39% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.09% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
75% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver Buy To Let |
6.14% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.6% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 2 Year Fixed Standard Buy To Let |
5.64% |
7.60% |
2 Years fixed rate until 28.02.26 |
7.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Fee Saver Buy To Let |
5.54% |
7.60% |
5 Years fixed rate until 28.02.29 |
6.9% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
| 5 Year Fixed Standard Buy To Let |
5.29% |
7.60% |
5 Years fixed rate until 28.02.29 |
7.1% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Fixed Fee Saver Buy To Let |
|---|---|
| Initial interest rate |
6.14% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.64% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
2 Years fixed rate until 28.02.26 |
| Overall cost for comparison (APRC) |
7.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
5.54% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
5.29% |
| Followed by a Variable Rate, currently |
7.60% |
| Initial interest rate period |
5 Years fixed rate until 28.02.29 |
| Overall cost for comparison (APRC) |
7.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
Tracker mortgages
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Fee Saver Buy To Let |
6.74% variable |
7.60% |
2 Years |
7.7% APRC |
£0 |
£0 | £ 2,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
6.13% variable |
7.60% |
2 Years |
7.8% APRC |
£1999 |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Term Tracker Fee Saver Buy To Let |
|---|---|
Initial interest rate |
6.74% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.7% APRC |
Booking fee |
£0 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate |
6.13% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.8% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Fee Saver Buy To Let |
6.74% variable |
7.60% |
2 Years |
7.7% APRC |
£0 |
£0 | £ 1,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
6.19% variable |
7.60% |
2 Years |
7.9% APRC |
£1999 |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Term Tracker Fee Saver Buy To Let |
|---|---|
Initial interest rate |
6.74% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.7% APRC |
Booking fee |
£0 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate |
6.19% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.9% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Fee Saver Buy To Let |
6.84% variable |
7.60% |
2 Years |
7.7% APRC |
£0 |
£0 | £ 1,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
6.39% variable |
7.60% |
2 Years |
7.9% APRC |
£1999 |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Term Tracker Fee Saver Buy To Let |
|---|---|
Initial interest rate |
6.84% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.7% APRC |
Booking fee |
£0 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate |
6.39% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.9% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
60% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Fee Saver Buy To Let |
6.74% variable |
7.60% |
2 Years |
7.7% APRC |
£0 |
£0 | £ 2,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
6.13% variable |
7.60% |
2 Years |
7.8% APRC |
£1999 |
£0 | £ 2,000,000 |
| Mortgage |
2 Year Term Tracker Fee Saver Buy To Let |
|---|---|
Initial interest rate |
6.74% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.7% APRC |
Booking fee |
£0 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate |
6.13% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.8% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
65% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Fee Saver Buy To Let |
6.74% variable |
7.60% |
2 Years |
7.7% APRC |
£0 |
£0 | £ 1,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
6.19% variable |
7.60% |
2 Years |
7.9% APRC |
£1999 |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Term Tracker Fee Saver Buy To Let |
|---|---|
Initial interest rate |
6.74% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.7% APRC |
Booking fee |
£0 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate |
6.19% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.9% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
75% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Fee Saver Buy To Let |
6.84% variable |
7.60% |
2 Years |
7.7% APRC |
£0 |
£0 | £ 1,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
6.39% variable |
7.60% |
2 Years |
7.9% APRC |
£1999 |
£0 | £ 1,000,000 |
| Mortgage |
2 Year Term Tracker Fee Saver Buy To Let |
|---|---|
Initial interest rate |
6.84% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.7% APRC |
Booking fee |
£0 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate |
6.39% variable |
Followed by a variable rate, currently |
7.60% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.9% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
Representative example
A repayment mortgage of £178,881.91 payable over 26 years initially on a fixed rate for 2 years at 5.84% and then on our current variable rate of 6.99% (variable) for the remaining 24 years would require 24 monthly payments of £1,116.58 and 287 monthly payments of £1,238.97, plus one final payment of £1,237.66.
The total amount payable would be £383,914.97 made up of the loan amount plus interest of £204,738.06 and a solicitors fee of £295.
In this example, the overall cost for comparison is 7.0% APRC representative.
The above representative example is based on the highest APRC applicable to customers purchasing a property. Please note your actual costs and monthly repayments will vary.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy-to-let risks
Letting a residential property is a commercial transaction. You should only decide to become a landlord if you're sure you are competent and capable of undertaking the venture. This includes being competent in managing a portfolio and understanding your obligations and your responsibilities towards the tenant.
We're unable to give advice on any property investment decisions or on how you can meet your obligations to tenants. It's important that you fully understand the risks and consequences of becoming a private landlord, as well as the potential rewards. Independent financial, legal and tax advisers may be able to give you advice on your decisions. Recognised landlord bodies can also help you to understand your responsibilities.
The actual income generated from your rental property may differ and can be influenced over time by changes within the rental market. You will remain responsible for meeting the costs of your mortgage and the additional costs associated with letting the property for the duration of your ownership.
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