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.


Limited edition range

Five-year fixed rate products

Standard range fee reductions and Expat loadings still apply

65% LTV 75% LTV
3.99% 4.09%

Fixed rates include 3m LIBOR and margin

Standard product range

(Fee 1.7%)

Product Loan size 65% LTV 75% LTV 85% LTV
Variable £100,000+ 3m LIBOR + 3.19% 3m LIBOR + 3.39% 3m LIBOR + 3.99%*¥
Two-year fixed £100,000+ 4.04% 4.24%  
Five-year fixed £100,000+ 4.14% 4.34%  

Three month LIBOR is currently 0.75%, which is the minimum rate

Fixed rates include 3m LIBOR and margin

*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.