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Our award-winning Buy to Let range of mortgages offer your landlord clients flexible lending criteria, human underwriting and no maximum property portfolio limits.
Try our Buy to Let affordability calculator which now makes it even easier for you to see our maximum lending.
LTV to 85%
Limited Company assessed on SPV portfolio only
Maximum age at application - 70
Top slicing of personal and portfolio income
Personal business development contact
Professional landlords
Newly formed Limited Companies
Available on all Buy to Let products at no extra cost
Ltd companies are treated as a separate entity (personal BTLs are ignored on the assessment). Applies to portfolio landlords only (see full Lending Criteria for more details)
No business plan required
We work hard to ensure our products meet the requirements of as many landlords as possible so our lending criteria for Buy to Let lending for limited companies no longer requires the prior submission of a formal business plan.
Relocating professionals
Families looking to upsize
Home movers who don't want to sell their current property
Available for full time landlords
Zero fees products available
Can lend on both sides of the transaction
If your client is looking to buy a new property but doesn’t want to move, our Let to Buy Mortgages could be a win-win for them. They can apply for one of our Buy to Let mortgages for their existing home and one of our purchase mortgages for their new home.
Young professionals
Investors
Contractors
Self-employed clients
Top slicing offered
Low reversionary products
Becoming a first time landlord can be daunting, so we work hard to make the process of getting a Buy to Let mortgage as easy as possible. With manual underwriting, products with zero fees and flexible lending criteria, we try to think of everything your clients could need. What’s more, for your first time landlord clients who are existing residential homeowners, we don’t require a minimum income to support their mortgage application.
Portfolio landlords
Limited Companies
Full time landlords
No minimum income required for existing landlords
Unlimited background portfolio: Up to £2m lending with Kensington
If your client is looking to grow their Buy to Let property portfolio we can help. Flexibility and expertise come together in our range of Experienced Landlord mortgages. We don’t want to put limits on your client’s aspirations so there’s no requirement for minimum incomes from existing landlords, and no property portfolio limits either.
Remortgagers looking to improve the energy efficiency of their home
Purchasers buying a property with potential to improve its EPC rating
Energy-conscious borrowers
Evidenced increase of at least 10 SAP points required to qualify
Up to 12 months to make the energy improvements and claim cashback reward
£1000 cashback paid upon qualification
Core credit criteria applies
Loans available up to 80% LTV
Our eKo Cashback Mortgage range helps your clients make their property fit for the future. Based on our Core credit criteria, we’ll pay your client £1,000 in full for improving their energy efficiency rating by just 10 SAP points (Standard Assessment Procedure). Find out if more about the eKo Cashback Mortgage.
Landlords purchasing a new build property with high levels of energy efficiency
Available for new build purchases only
Property must be rated A or B for energy efficiency
£500 cashback paid following completion
As part of our green mortgages range, our New Build eKo Reward mortgage rewards your clients with £500 cashback for purchasing a new build property with high levels of energy efficiency.
Experienced landlords looking to grow their portfolio into New Build properties
Professional landlords who earn all of their income from rental properties
Landlords who have failed a credit score check
6 month offer period with facility to extend
Up to 85% LTV for New Build houses and flats
Dedicated New Build underwriting team
Additional builders deposit of up to 5% accepted
Free valuations
With our years of experience in Buy to Let mortgages we can help your clients if they’re looking for specialist lending to buy a new build property. Some landlords may need a more bespoke approach so we offer flexible offer periods and application terms for complex cases, as well as a dedicated named underwriter to assess their application.
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You can submit your client's mortgage application by registering your company using our online portal.