Buy-to-Let Products

Please note that our current Buy-to-Let products are ONLY available on properties located in our geographical lending area defined of England and Wales.

Our Buy-to-Let mortgages allow you to purchase or remortgage residential property for letting purposes at competitive interest rates.  Arranging a Buy-to-Let mortgage is as easy as a standard mortgage for owner occupation.

Important considerations before you ‘Buy-to-Let’

Purchasing a rental property is very different to finding a home for yourself. You must always remember that this is a business decision which you need to treat like an investment. Therefore be objective and focus on who is likely to rent the property you are looking to buy. Here are some tips to help you evaluate before you view any property:

What type of tenant are you looking for? e.g. Young professionals, families or sharers

Where’s the best area? Prosperous areas often attract a higher demand for property.

What’s the location like? Think about transport links, parking, schools, shops etc.

What condition is the property in? If it is in poor condition restrictions might be placed on the lending. It will also delay how quickly the property can be let.

How much rent are you likely to receive? Talk to local letting agents, read the local press to find out comparable rental values.

Gas safety check – Landlords have a legal responsibility to make sure any gas equipment they supply is safely installed and maintained in good condition. They are also required to have a registered Gas Safe-registered engineer carry out an annual gas safety check on each appliance and / or flue.
Electrical safety check – Landlords are required to make sure that all electrical systems and appliances they supply are safe.

Key Lending Criteria
It is important to view the Society's Key Lending Criteria if you are considering applying for a Buy-to-Let mortgage. Click here to view the Buy-to-Let Key Lending Criteria.

Buy-to-Let Products

Being a Landlord Factsheet

Being a Landlord Factsheet >>

Please note that our current Buy-to-Let products are ONLY available on properties located in our geographical area of England and Wales.

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If you fail to keep up with payments on your mortgage a ‘receiver of rent’ may be appointed and/or your rental property may be repossessed.

Most Buy to Let Mortgages (investment type property loans) are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

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