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Buy to Let

If you’re looking to buy or re-mortgage an investment property, we offer a wide range of options shown below. 

To find out more information or to book at appointment with one of our Qualified Mortgage Advisers, call us on 08081696680 or email mortgagesupport@leekbs.co.uk

Caution: Before investing in the residential lettings market there are many costs and risks to be considered and appropriate professional advice should be obtained. The Society's provision of Buy to Let funding does not endorse the viability of any residential property investment.

Residential Investment Buy to Let

Our standard buy to let mortgage is for properties that you let on an Assured Shorthold Tenancy to someone who is not related to you.

Regulated Buy to Let

Like our standard buy to let, but where your rental property is occupied by an immediate family member.

Non-homeowner Buy to Let

If you don’t own the property you live in, but still want to buy or re-mortgage a property to let out, then this mortgage is for you.

Portfolio Landlords

If you have 4 or more mortgaged Buy to Let properties, get in touch to talk about how we can help you.

Holiday Lets

If you’re looking to buy or re-mortgage a property that’s offered for let on a short-term, holiday let basis for at least 210 days per year, then this is for you.

Limited Company Buy to Let

If you wish to purchase or re-mortgage a buy to let property which is, or will be, owned by a Limited Company set up as a special purpose vehicle (SPV) for holding and letting residential investment property.
  • Buy to Let Fixed Rate Mortgages

    Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
    3138 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value £995 £0 4.94% Fixed until 30/06/2026 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
    3144 Buy to Let Standard 5 Year Fixed Rate up to 65% loan to value WITH £400 Cashback² £1495 £0 4.52% Fixed until 31/08/2029 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
    3116 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value £1495 £0 4.90% Fixed until 30/06/2029 8.24% 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.

    Representative Example (based on a Non-portfolio Investment Property purchase):

    The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: 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 4.94% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
    1 monthly repayment of £33.74, followed by
    24 monthly repayments of £1,025.09, followed by
    276 monthly repayments of £1,705.21
    1 final payment of £250,000.00
    The total amount payable would be £746,408.86 made up of the loan amount of £250,000.00 plus interest (£495,273.86), product fee of £995, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.9% APRC representative.
    Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

  • Buy to Let Discounted Mortgages

    Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
    3117 Buy to Let Green Holiday Let 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² £995 £0 5.70% Variable for 2 Years (our standard variable rate Minus 2.54% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    3118 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value £995 £0 5.70% Variable for 2 Years (our standard variable rate Minus 2.54% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
    3119 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value £0 £0 6.10% Variable for 2 Years (our standard variable rate Minus 2.14% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
    3120 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value £995 £0 5.75% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
    3121 Buy to Let Non Homeowner 2 Year Discounted Rate up to 75% loan to value £0 £0 6.10% Variable for 2 Years (our standard variable rate Minus 2.14% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
    3122 Buy to Let Green Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² £995 £0 5.99% Variable for 2 Years (our standard variable rate Minus 2.25% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
    3123 Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value £995 £0 5.99% Variable for 2 Years (our standard variable rate Minus 2.25% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
    3129 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value WITH £200 Cashback² £995 £0 5.60% Variable for 2 Years (our standard variable rate Minus 2.64% discounted) 8.24% 8.0% 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 Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 6.10% (equal to 2.14% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay: 
    1 monthly repayment of £20.83, followed by
    24 monthly repayments of £632.31, followed by
    276 monthly repayments of £852.59
    1 final payment of £125,000.00
    The total amount payable would be £375,651.11 made up of the loan amount of £125,000.00 plus interest (£250,511.11), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.1% APRC representative.
    Please note: the example above is for a non-homeowner investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

  • Why Choose Leek Building Society?

    Expert advice from Qualified Mortgage Advisers

     

    Appointments with our Mortgage Advisers are available over the phone, via Teams video call or in person at any of our branches. Your dedicated Mortgage Adviser will guide you through the process, listening closely to your needs and circumstances to ensure you receive the most suitable mortgage for you.

    Nicola Ledward

    Nicola Ledward

    Laura Panek

    Laura Panek

    Laura Bradshaw

    Laura Bradshaw

    Joanne Morgan

    Joanne Morgan

    Craig Morton

    Craig Morton

    Amy Carvill

    Amy Carvill

    Call us to book an appointment

    Call us free between 9am - 5pm (Monday - Friday) to make an appointment with one of our Qualified Mortgage Advisers. If you call outside these hours please leave a message and we will call back as soon as possible during office hours.

    Call us on
    0808 169 6680

    Monday - Friday 9am - 5pm

    Appointments available between

    8am - 7pm - Monday - Thursday

    8am - 5pm - Friday 

    9am - 4pm - Saturday

    Leek

    Make an appointment with a Qualified Mortgage Adviser or call 0808 169 6680

    THE MORTGAGED PROPERTY (WHICH COULD BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.