Buy to Let

BTL Products

We've cut rates and introduced new products aimed at marginal credit score fails across our Buy to Let range.

  • Rates from 3.13% on 2 Year Fixes and 3.48% on 5 Year Fixes
  • No credit scoring to make decisions, or to determine product pricing
  • CCJs and Defaults don't need to be satisfied and we have no ££ value limit
  • Free legals on all remortgages - see product guide for more information

2 Year Fixed Rates (Limited Edition)

The ERC is 3% / 2%.

Rate LTV Rental Calculation Completion Fee CCJs / Defaults Mortgage / Secured Arrears Reversion Rate Product Code
3.13% 70% 140% x 5.50% 2%

0 in 48 months 0 missed payments in 48 months (max arrears status of 0 in last 6 months) LIBOR + 3.13% NP
3.33% 75% LIBOR + 3.13% NP
3.73% 80% 140% x
pay rate + 2%
LIBOR + 3.13% NP
 
3.38% 70% 140% x 5.50% 2% 0 in 36 months 0 missed payments in 36 months (max arrears status of 0 in last 6 months) LIBOR + 3.13% NP1
3.58% 75% 140% x
pay rate + 2%
LIBOR + 3.13% NP1
3.83% 80% LIBOR + 3.13% NP1
 
3.63% 70% 140% x
pay rate + 2%
2% 0 in 24 months 0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 3.13% NP2
3.83% 75% LIBOR + 3.13% NP2
4.08% 80% LIBOR + 3.13% NP2

5 Year Fixed Rates

The ERC is 4% / 4% / 3% / 3% / 2%.

Rate LTV Rental Calculation Completion Fee CCJs / Defaults Mortgage / Secured Arrears Reversion Rate Product Code
3.48% 70% 140% x pay rate 2% 0 in 48 months 0 missed payments in 36 months (max arrears status of 0 in last 6 months) LIBOR + 4.00% NP
3.68% 75% LIBOR + 4.25% NP
4.28% 80% LIBOR + 4.50% NP
 
3.98% 70% 140% x pay rate 2% 0 in 36 months 0 missed payments in 36 months (max arrears status of 0 in last 6 months) LIBOR + 4.70% NP1
4.08% 75% LIBOR + 4.95% NP1
4.38% 80% LIBOR + 5.20% NP1
 
4.13% 70% 140% x pay rate 2% 0 in 24 months 0 missed payments in 24 months (max arrears status of 0 in last 6 months) LIBOR + 4.70% NP2
4.33% 75% LIBOR + 4.95% NP2
4.78% 80% LIBOR + 5.20% NP2
 
4.78% 70% 140% x pay rate 2% 3 in 36 months (0 in last 18 months and max 2 in months 19 to 24) 2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months, 1 missed payment in months 19 to 24) LIBOR + 4.95% NC3
4.98% 75% LIBOR + 5.20% NC3
5.88% 80% LIBOR + 5.45% NC3
 
5.38% 70% 140% x pay rate 2% 3 in 24 months (0 in last 12 months and 2 in months 13 to 18) 2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 13 to 18)

LIBOR + 5.25%

NC4
5.68% 75% LIBOR + 5.50% NC4
 
5.98% 70% 140% x pay rate 2% 4 in 24 months (0 in last 6 months and 2 in months 7 to 12 and 3 in months 13 to 18) 3 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18) LIBOR + 5.75% NC5

LIBOR 0.3015% as of 14 September 2017.

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