Buy to let and HMO loans

With experience in complex proposals and ownership structures, we can help with more than just standard buy to let.

Offering up to 85% LTV and interest-only options, our criteria can support both converted and purpose-built HMOs – with investment value being considered.

We also could help with large portfolio* cases where properties are on either a single freehold or in multiple locations.


*You must register on our Buy to Let Hub if you wish to submit portfolio cases.



Loan size Rate 65% LTV 75% LTV 85% LTV
£100,000+ Three month LIBOR + 3.19% 3.39% 3.99%

Three month LIBOR is currently 0.75%, and subject to a minimum rate of 0.75%.

*maximum loan amount £1,000,000.

†Maximum 75% LTV for HMOs with more than eight rooms.


If your client's a UK national living and working abroad, an additional 0.25% margin will apply, as will specific lending criteriaAll other fees and product terms remain as standard.

Fixed Rates

Add to variable rate:

Two-year fixed Add 0.1%
Five- year fixed Add 0.2%