Do I need an Energy Performance Certificate?

It is a legal requirement for all Buy to Let properties to have a valid EPC. It is a Principality requirement only for all Holiday Let properties to also have a valid EPC. They are valid for 10 years and the minimum rating requirement is ‘E’. EPC’s are recorded on the government website so all can check. Find an energy certificate .

Buy to Lets We only lend to properties which are in a lettable state and in a condition which immediately allows someone to live there. We wouldn’t lend for example on a ‘development project’ where the customer needs to renovate the property before letting out. Maximum of 3 x mortgaged BTL properties (including new enquiry). Holiday Lets We only lend to properties which are in a lettable state and in a condition which immediately allows someone to live there. We wouldn’t lend for example on a ‘development project’ where the customer needs to renovate the property before letting out. There cannot be any restrictive conditions on use, for example some holiday parks do not allow someone to live there 12 months of the year. Maximum of 2 x mortgaged HL properties (including new enquiry). Leasehold properties Minimum remaining term is 85 years at point of application. Flats / Maisonettes / Apartments We will not lend on a property in a block that has more than 10 x storeys. If the property is ex-local authority / housing association then these can be considered subject to valuers comments.

Buy to Let and Holiday Let mortgages

Purchase your first property to let, expand your current portfolio,
or switch your Buy to Let mortgage.

View mortgage products

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Purchasing a Buy to Let or Holiday Let

If you are looking to buy a property to rent there are a few things you need to consider.

Buy to Let and Holiday Let mortgages are not regulated, so a mortgage advisor cannot give you advice on suitable mortgages.
You should not own more than 3 Buy to Lets or 2 Holiday Lets if you wish to apply for a mortgage with us.
We accept first time landlords and buyers.
You should be 21 years or older.
The maximum loan to value (LTV) we can offer is 75%.

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What you need know before you call

Purchase price and deposit for the home you want to buy.
Your portfolio size.
The location of the home you wish to buy. We only offer mortgages for properties in England and Wales.
The expected minimal rental income.

How to switch your Buy to Let or Holiday Let mortgage

Switch your Buy to Let mortgage online

You are able to switch your Buy to Let mortgage by logging into your online profile. You’re not able to switch your Holiday Let mortgage online.

Log in to switch online
Speak to us to switch

To switch your Holiday Let mortgage, or if you want to speak to us about switching your Buy to Let mortgage, you can call us. We can’t give advice but we can help every step of the way.

Get in touch

It is a legal requirement for all Buy to Let properties to have a valid EPC.
It is a Principality requirement only for all Holiday Let properties to also have a valid EPC.

They are valid for 10 years and the minimum rating requirement is ‘E’.

EPC’s are recorded on the government website so all can check. Find an energy certificate.

Buy to Lets

We only lend to properties which are in a lettable state and in a condition which immediately allows someone to live there.
We wouldn’t lend for example on a ‘development project’ where the customer needs to renovate the property before letting out.
Maximum of 3 x mortgaged BTL properties (including new enquiry).

Holiday Lets

We only lend to properties which are in a lettable state and in a condition which immediately allows someone to live there.
We wouldn’t lend for example on a ‘development project’ where the customer needs to renovate the property before letting out.
There cannot be any restrictive conditions on use, for example some holiday parks do not allow someone to live there 12 months of the year.
Maximum of 2 x mortgaged HL properties (including new enquiry).

Leasehold properties

Minimum remaining term is 85 years at point of application.

Flats / Maisonettes / Apartments

We will not lend on a property in a block that has more than 10 x storeys.
If the property is ex-local authority / housing association then these can be considered subject to valuers comments.