A tailored mortgage lending approach for letting opportunities
Purchasing properties to let is a delicate balancing act for prospective buyers, and finding the right mortgage can often be a minefield. That’s why we take a flexible lending approach, individually underwriting our BTL mortgages to accommodate all kinds of buyers.
Our buy-to-let mortgages are for both established landlords and people entering the market for the first time. We consider various financial situations, including those fully supported by rental income or where personal income is required to help cover the costs.
Working directly with intermediaries, we can untangle even the most unusual property needs, tailoring our mortgage solutions accordingly.
If you’re an intermediary or professional mortgage adviser, any eligible application you submit to us will be carefully reviewed by our specialist underwriters.
Key features of our flexible Buy-to-Let mortgages
- We accept first-time buyers and landlords, plus experienced ones
- Top-slicing options are available
- We consider non-owner-occupied properties for BTL mortgage lending
- Each applicant’s situation is individually assessed
Our Current Buy-to-Let Mortgage Rates
FIXED
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
FIXED
Current Pay Rate
Followed by our Standard Variable Rate
Maximum LTV
Loan Amount
Product Fee
ERCs
Please note: the above is for Intermediary use only – not for consumer distribution.
Key Resources for Intermediaries
BTL Criteria Card
A handy snapshot of our key BTL criteria. Helping you match clients with the right solution.
Affordability Calculator
Use our affordability calculator to estimate how much your clients could borrow.
Contact the Team
Our team is on hand whenever you need us. Ready with clear answers and practical support for every scenario.
Latest News
Latest News
APR 17, 2026
A Q&A with our CEO Tracie
Here’s a quick Q&A from our CEO Tracie Meadows diving into our new rebrand.
Industry
JAN 22, 2026
We celebrate our new branch opening in Harpenden
We are thrilled to announce the launch of our brand-new branch, located right on the High Street, in one of the busiest areas of Harpenden. The doors opened on the…
Industry
DEC 01, 2025
FSCS protection limit increase
The Financial Services Compensation Scheme (FSCS) has increased the protection limit from £85,000 to £120,000 from 1st December 2025. This means if you hold deposits or savings with a building society,…
Community
OCT 15, 2025
Jon’s savings blog – The importance of talking about money
Money. It’s not going away, and it’s one of the most essential parts of our lives, and yet, for many, it’s still one of the hardest things to talk about….
Community
OCT 14, 2025
Our latest volunteering
Watling View For the third year running, eleven colleagues from across the Society visited Watling View School in St Albans for a day this summer to help give their facilities a…
Community
OCT 13, 2025
A spot of phishing
It’s been reported that 28%* of the population were hybrid workers at the end of 2024. There are so many benefits that working from home offers for both employees and companies:…
Community
OCT 10, 2025
Doorstep scams
Doorstep scams occur when someone comes to your front door to either scam you out of your money, personal information or even to gain access to your home to steal…
Community
OCT 09, 2025
Our latest grants
Harpenden Hopper HBS Grant £4,000 The Harpenden Hopper is a community minibus service that has become much more than just a means of getting from A to B. The Hopper is a…