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Buy to Let mortgages from the Friendlier Face of Finance

Buy to Let

As a new Buy to Let customer we will talk to you about the Buy to Let mortgages that we currently offer and will make sure that our deal is completely suitable and appropriate for your needs and circumstances.

To find out more information or to book at appointment with one of our Qualified Mortgage Advisers, get in touch today to see how we can help you.
 

Caution:  Before investing in the residential lettings market there are many costs and risks to be considered and appropriate professional advice should be obtained.  The Society's provision of Buy to Let funding does not endorse the viability of any residential property investment.

Buy to Let Mortgages

Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1313 Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value £895 £100 2.08% Fixed until 30 November 2025 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View
1321 Non-homeowner Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value £895 £100 2.08% Fixed until 30 November 2025 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View
1320 Regulated Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value £895 £100 2.08% Fixed until 30 November 2025 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View
1312 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1395 £100 1.59% Fixed until 30 November 2022 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
1319 Non-homeowner Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1395 £100 1.59% Fixed until 30 November 2022 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
1318 Regulated Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK £1395 £100 1.59% Fixed until 30 November 2022 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
1311 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value £0 £0 2.15% Fixed until 30 November 2022 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View
1317 Non-homeowner Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value £0 £0 2.15% Fixed until 30 November 2022 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View
1316 Regulated Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value £0 £0 2.15% Fixed until 30 November 2022 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

Completion must take place on or before 30 November 2020. Please note that if your mortgage does not complete by 30 November 2020, you will not benefit from the full fixed rate period quoted for that product.

Caution: Before investing in the residential lettings market there are many costs and risks to be considered and appropriate professional advice should be obtained. The Society's provision of Buy to Let funding does not endorse the viability of any residential property investment.

Representative Example (based on a Non-portfolio Investment property):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £121,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 2.15% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £7.11, followed by
24 monthly repayments of £216.41, followed by
276 monthly repayments of £521.14
1 final repayment of £121,000.00

The total amount payable would be £270,175.59 made up of the loan amount of £121,000.00 plus interest (£149,035.59) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% APRC representative.

Please note: the example above is for an investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1310 Buy to Let 2 Year Discount - up to 65% Loan to Value WITH £400 CASHBACK £0 £0 1.85% Variable for 2 years (our standard variable rate minus 3.34% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
1315 Non-homeowner Buy to Let 2 Year Discount - up to 65% Loan to Value WITH £400 CASHBACK £0 £0 1.85% Variable for 2 years (our standard variable rate minus 3.34% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
1314 Regulated Buy to Let 2 Year Discount - up to 65% Loan to Value WITH £400 CASHBACK £0 £0 1.85% Variable for 2 years (our standard variable rate minus 3.34% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration. 

If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

Caution: Before investing in the residential lettings market there are many costs and risks to be considered and appropriate professional advice should be obtained. The Society's provision of Buy to Let funding does not endorse the viability of any residential property investment.

 

Representative Example (based on a Non-portfolio Investment Property):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £168,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 1.85% (equal to 3.34% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £135.87, followed by
24 monthly repayments of £258.61, followed by
276 monthly repayments of £723.56
1 final repayment of £168,000.00

The total amount payable would be £374,185.07 made up of the loan amount of £168,000.00 plus interest (£206,045.07) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.8% APRC representative.

Please note: the example above is for an investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Call us free between 9am - 5pm (Monday - Friday) on 0808 169 6680 to make an appointment with one of our Qualified Mortgage Advisers.

Appointments available between:

8am - 7pm Monday - Thursday

8am - 5pm - Friday

9am - 4pm - Saturday

If you call outside these hours please leave a message and we will call back as soon as possible during office hours.

Make an appointment with a Qualified Mortgage Adviser or call 0808 169 6680

Your investment property may be repossessed if you do not keep up repayments on your mortgage