Skip to main content
man wearing glasses at his laptop

Our buy-to-let best bits

There are lots of reasons to do non-portfolio landlord business with us

What we offer

  • Up to 75% LTV - maximum loan is £1m and minimum property value is £50,000.
  • Up to 80% LTV - maximum loan is £350,000 and minimum property value is £100,000.
  • No minimum personal income needed, unless you're top slicing.
  • Top slicing on loans up to 75% LTV, providing the rent covers the mortgage at 100% stressed at the higher of 5.5% or pay rate + 2%. The minimum personal income is £50,000 and the maximum age is 75.
  • Borrowing up to £3m with Virgin Money.
  • Day one remortgages (applied for within 6 months of completion), valued at the original purchase price or current value - whichever is lower.
  • First time landlords are fine, as long as at least one applicant is an owner occupier and has been for 6 months or more.

Affordability calculator

Help customers find out how much they can borrow.

Affordability calculator

Your guide to buy-to-let

Extra helpful info, from tips on top slicing to clarity on consumer buy-to-lets

Rental cover test

Use the highest stress rate that applies to check your case meets our test

Purchase or remortgage with additional borrowing

Interest cover ratio

125% or 145%

125% basic / 145% higher or additional tax payers

Stress rate: 5+ year fixed

4.5% or pay rate +1%

Stress rate: any other product

5.5% or pay rate +2%

Remortgage with no additional borrowing

Interest cover ratio


Stress rate: all products

5% or pay rate +1%

Check lending criteria

Use our buy-to-let A to Z or quick policy search

Check buy-to-let criteria

Find your BDM

On the phone or in person, our business development managers are here to help.

Find your BDM

This site is just for mortgage brokers. Not a broker? Head to