Residential Buy-to-let Mortgage

If you would like to grow your capital and rental income, then our Residential Buy-to-let Mortgage could suit you. Property can be a big cost for many businesses so it is important to manage that investment wisely.

Our Residential Buy-to-let Mortgage is suitable for any individual or business that derives its main source of income from the sector and owns property let for residential occupation, multiple occupation and student lets.

Features and benefits

  • Apply for a minimum of £25,001 and choose a loan term from three to 25 years.
  • Borrow up to 70% of the property value and in some cases we can lend more.
  • Choose between a Bank of England bank rate linked or fixed interest rate*.
  • Capital repayment holidays may be available.
  • If you wish to borrow on other terms we may still be able to help you.
  • For loan amounts over £1m, a part amortising option may be available.

You also need to know that:

  • A Residential Buy-to-let Mortgage is a secured business loan.
  • An arrangement fee, as well as security and valuation fees will apply.
  • For interest only mortgages, the actual amount borrowed doesn't reduce during the life of the mortgage. You’ll need to repay the full capital amount at the end of the mortgage term.
  • If you repay part, or all, of your fixed rate mortgage before the end of the agreed term then you may need to pay an early repayment fee. This could be substantial depending on the interest rate at the time. This fee does not apply to bank rate linked loans.
  • We will require a first legal charge over the property as security. This means if you’re remortgaging an existing property, you must repay any loan secured on it before completion.

Read our charter to find out how we're committed to lending to businesses.

To enquire about this mortgage, you must:

  • require the mortgage for business use
  • be a sole trader, partner or director with authority to borrow on behalf of your business
  • be aged 18 or over.

One of our relationship managers will be happy to speak with you about your application. However, before you get in touch, please make sure you’ve prepared answers to the following:

  • how much you would like to borrow
  • why you need the new premises
  • what time period you would like to make the repayments over.
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Business Overdraft

Make sure extra funds are available when you need them, and only pay interest on the funds you use.

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How to apply for lending

Follow our step-by-step guide on how to apply for lending.

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Commercial Fixed Rate Loan

Repay a consistent monthly amount for the entire length of your loan term.

Find out moreabout the Commercial Fixed Rate Loan

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How to enquire

Enquire online

Completing our business loan calculator takes about 10 minutes. Once we receive your information, we’ll contact you to discuss your business needs in more detail.

Enquire onlineabout our Buy-to-let mortgage

On the phone

0800 022 4378Call telephone number 0800 022 4378

Call us to talk to one of our relationship managers. We are available from 9am to 5pm Monday to Friday.

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A convenient way to help you decide which of our finance options could be right for your business.

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