Buy-to-Let Mortgage Criteria
Yes, if purchasing/building for their own residential use.
Yes if purchasing for own residential use
Acceptable in most instances. Refer particularly for property conversions, or for newbuilds using steel frame construction as these may only be acceptable with a full 10 year structural warranty.
Acceptable in most instances for any property built within last 6 years. Refer for suitability.
Must be at least 3 years since arrangement was in place.
Must be at least 3 years since arrangement was in place.
Yes, on case by case basis.
Yes, on case by case basis.
Not accepted.
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.