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.

Key
features

LTV

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%.

Criteria
  • 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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Buy to Let Rates

LTVLandlord2 year fixed3 year fixed5 year fixed
60%First Time Experienced3.89% 3.69%3.99% 3.89%3.99% 3.89%
75%First Time Experienced4.09% 3.89%4.19% 4.09%4.19% 4.09%
80%First Time Experienced4.59% 4.39%4.69% 4.49%4.69% 4.49%
85%First Time Experienced5.29% 5.09%5.35% 5.25%5.35% 5.25%
  • • Experienced landlords are landlords who have had at least one Buy-to-Let property for the past 12 months
  • • A portfolio landlord is someone who has at least 4 properties
  • *Rates are subject to individual circumstances relating to each mortgage
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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