With over 160 years of experience, we’re proud to offer reliable buy to let mortgages backed by outstanding, personal customer service you can trust. As an independent mutual building society, we're focused on delivering long-term value, tailored financial support, and competitive buy to let mortgage rates.
But don't just take our word for it. We were named the UK’s Best Specialist Mortgage Provider at the 2025 British Bank Awards. Our customers have also rated us 4.90 out of 5 on Smart Money People, a leading independent financial review platform.
We take a personalised and dedicated approach to our buy to let service. Thousands of people trust us with their mortgage journey, whether buying or remortgaging their investment property - and so can you.
We deliver competivie buy to let mortgage rates for fixed and discounted products. Before investing in the residential lettings market there are many costs and risks to be considered and appropriate professional advice should be obtained.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² (3529) | £1495 | £0 | 4.59% Fixed until 31/01/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value (3510) | £0 | £0 | 4.84% Fixed until 31/01/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let First Time Buyer 2 Year Fixed Rate up to 75% loan to value (3511) | £0 | £0 | 4.84% Fixed until 31/01/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value (3512) | £0 | £0 | 4.89% Fixed until 31/01/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value (3558) | £1495 | £0 | 4.81% Fixed until 31/01/2028 | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Holiday Let 2 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3559) | £1495 | £0 | 4.81% Fixed until 31/01/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 5 Year Fixed Rate up to 75% loan to value (3560) | £995 | £0 | 4.80% Fixed until 31/01/2031 | 7.34% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Holiday Let 5 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3561) | £995 | £0 | 4.80% Fixed until 31/01/2031 | 7.34% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value (3551) | £0 | £0 | 5.23% Fixed until 31/01/2028 | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² (3552) | £0 | £0 | 5.23% Fixed until 31/01/2028 | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value (3534) | £1495 | £0 | 4.93% Fixed until 31/01/2028 | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² (3535) | £1495 | £0 | 4.93% Fixed until 31/01/2028 | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value (3545) | £0 | £0 | 5.11% Fixed until 31/01/2031 | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² (3546) | £0 | £0 | 5.11% Fixed until 31/01/2031 | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
Representative Example (based on a Non-portfolio Investment Property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 4.59% and then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £31.44, followed by
24 monthly repayments of £952.73, followed by
276 monthly repayments of £1,520.15
1 final repayment of £250,000.00
The total amount payable would be £694,093.36 made up of the loan amount of £250,000.00 plus interest (£442,458.36), product fee of £1,495, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.1% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value WITH £200 Cashback² (3513) | £995 | £0 | 4.95% Variable for 2 Years (our standard variable rate Minus 2.39% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value (3514) | £1995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value (3515) | £1495 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let First Time Buyer 2 Year Discounted Rate up to 75% loan to value (3516) | £1995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value (3517) | £1495 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Holiday Let 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² (3518) | £1495 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value (3519) | £1995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² (3520) | £1995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.
Representative Example (based on a Non-portfolio Investment Property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 4.95% (equal to 2.39% discount off our Standard Variable Rate) for 2 years. Then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £576.37, followed by
24 monthly repayments of £1,027.15, followed by
276 monthly repayments of £1,520.10
1 final repayment of £250,000.00
The total amount payable would be £695,910.57 made up of the loan amount of £250,000.00 plus interest (£444,775.57), product fee of £995, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.2% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
Call the number below to book your appointment with one of our Mortgage Advisers and discover more about our range of buy to let mortgage products.
Call: 0808 169 6680
We deliver competitive buy to let mortgage rates on these types of property investments.
Call us free between 9am - 5pm (Monday - Friday) to make an appointment with one of our Mortgage Advisers. If you call outside these hours please leave a message and we will call back as soon as possible during office hours.
Monday - Friday 9am - 5pm
Appointments available between
8am - 7pm - Monday - Thursday
8am - 5pm - Friday
9am - 4pm - Saturday
