Buy-to-Let Mortgage Criteria Search
View the criteria required that landlords must satisfy to obtain buy‑to‑let mortgages with us.
Not acceptable.
On 1 May 2026, all existing fixed-term ASTs were converted to assured periodic tenancies, new agreements from this date should be on the new Assured Periodic Tenancy (APT) with an initial requirement of minimum term of 12 months and a post-protected period whereby after the initial period the tenancy will continue on a rolling basis.
Not accepted.
Yes.
The Society can accept 80% of employed income received in the following denominations – Euro, Swiss Francs, US Dollars, Australian Dollars, Canadian Dollars, Danish/Swedish/Norwegian Krona, New Zealand Dollars, Singapore Dollars, Saudi Riyals, UAE Dirhams, Hong Kong Dollars, Kuwaiti Dinar, Polish Zloty, Indian Rupees
The Society can accept 70% of employed income received in the following denominations – Qatar Rials, Hungarian Forint, Japanese Yen, South African Rand, Thai Baht.
Arrangement Fee may be added subject to LTV and Affordability.
No.
Can be considered provided suitable track record can be demonstrated, 3 months payslips and previous 2 years P60 required.
NA unless full affordability required. Then only if applicants are not portfolio landlords.
Yes, on case by case basis.
Key Resources for Intermediaries
Rate Card
A comprehensive breakdown of our current mortgage product rates. Helping you make informed recommendations.
Affordability Calculator
Use our affordability calculator to estimate how much your clients could borrow.
Submit a Case
You can submit a full mortgage application, along with any supporting documents through our Broker Portal.
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