Buy to Let (Individuals and Limited Companies)

What is it

It’s a mortgage aimed at Individuals or a Limited Company looking to invest in a Buy to Let property or transfer their existing portfolio to us.

Who is it for?

Designed for Landlords/Individuals/Limited Companies/Limited Liability Partnerships.

What can it be used for?

This can be used to buy your first BTL investment property or add to your existing buy to let property portfolio.



All of our mortgages are structured around the amount of money you want to borrow compared with the value of property you are buying. This is referred to as the loan to value (LTV) ratio. It’s the difference between the deposit you have and the property purchase price in percentage terms.

If you’re buying a property worth £100,000 and borrow £75,000 the LTV will be 75%.

  • Maximum 4 Directors with all registered directors being party to the mortgage agreement
  • All Directors must reside as a tax resident in the UK, and have done so for at least 3 years with indefinite leave to remain
  • All Directors must have a traceable credit bureau record of 3 years or more
  • All Directors must have held an active UK bank current account for at least 3 years
  • No Director can have had any personal mortgage arrears in the last 12 months
  • No Director can have any unspent criminal convictions other than for minor traffic offences
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Interest Rates - Standard Mortgages

LTV2 years fixed3 years fixed5 years fixed
Up to 75%3.19%3.39%3.69%
Up to 80%3.69%3.89%4.09%
Up to 85%4.99%5.09%5.14%


Interest Rates - New Build, HMO, MUP, 1st time landlord and above commerical

LTV2 years fixed3 years fixed5 years fixed
Up to 70%3.29%3.59%3.69%
Up to 75%3.39%3.69%3.89%
Up to 80%4.29%4.39%4.49%
Up to 85%4.99%5.09%5.19%
For Intermediaries, please click here to download the full Buy-to-Let product fact sheet

Apply online

Start your BlueZest application on your mobile, tablet or PC, whichever you prefer. For added flexibility you can also switch between devices at any stage.

You do not have to complete your application in one go; you can stop at any time. The information entered will be automatically saved, so you can resume and complete your application whenever convenient.

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