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 investment property or add to your existing 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 is the difference between the deposit you have and the property purchase price in percentage terms.

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

  • Maximum 4 applicants
  • All applicants must reside within the UK and have done so for the last 3 years, with indefinite leave to remain, holding a UK bank account
  • All registered owners must be party to the mortgage agreement and vice versa
  • At least one applicant must have owned the home in which they reside for the last 12 months; Applications where one applicant has been employed with at least 2 years service and an annual salary of at least £75,000 will be considered
  • Applicants must not have any unspent convictions for offences, other than minor traffic offences
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Buy to Let Rates

LTVLandlord2 year fixed3 year fixed5 year fixed
60%First Time Experienced/portfolio3.89% 3.69%4.19% 3.99%4.19% 3.99%
75%First Time Experienced/portfolio4.09% 3.89%4.29% 4.09%4.29% 4.09%
  • 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
LandlordFirst Time
2 year fixed3.89%
3 year fixed4.19%
5 year fixed4.19%
Landlord Experienced/portfolio
2 year fixed4.09%
3 year fixed4.29%
5 year fixed4.29%
2 year fixed4.39%
3 year fixed4.49%
5 year fixed4.49%
2 year fixed5.09%
3 year fixed5.19%
5 year fixed5.19%
For Intermediaries, please go here to find and 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.

Get Started