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OUR BUY-TO-LET TRACKER RATE MORTGAGES

CURRENT MORTGAGE INTEREST RATES EFFECTIVE FROM 25 OCTOBER 2016
 
 
Product Initial interest rate Overall cost for comparison (APR) Product Fee † Loan to Value (LTV) Early Repayment charges Annual overpayment allowance More Information
Product
Buy-to-Let 2 Year Tracker
Initial interest rate
3.09%
(BoE rate + 2.84%)
APR
4.80%
Product fee †
Minimum 1.25% arrangement fee
(1.75% for SPV)
LTV
60%
(60% for Interest Only)
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Buy-to-Let 3 Year Tracker
Initial interest rate
3.49%
(BoE rate + 3.24%)
APR
4.70%
Product fee †
Minimum 1.25% arrangement fee
(1.75% for SPV)
LTV
60%
(60% for Interest Only)
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Buy-to-Let 5 Year Tracker
Initial interest rate
4.04%
(BoE rate + 3.79%)
APR
4.70%
Product fee †
Minimum 1.25% arrangement fee
(1.75% for SPV)
LTV
60%
(60% for Interest Only)
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
 
 
Product Initial interest rate Overall cost for comparison (APR) Product Fee † Loan to Value (LTV) Early Repayment charges Annual overpayment allowance More Information
Product
Buy-to-Let 2 Year Tracker
Initial interest rate
3.09%
(BoE rate + 2.84%)
APR
4.80%
Product fee †
Minimum 1.50% arrangement fee
(2% for SPV)
LTV
60%
(60% for Interest Only)
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Buy-to-Let 3 Year Tracker
Initial interest rate
3.59%
(BoE rate + 3.34%)
APR
4.80%
Product fee †
Minimum 1.75% arrangement fee
(2.25% for SPV)
LTV
60%
(60% for Interest Only)
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Buy-to-Let 5 Year Tracker
Initial interest rate
4.24%
(BoE rate + 3.99%)
APR
4.90%
Product fee †
Minimum 1.75% arrangement fee
(2.25% for SPV)
LTV
60%
(60% for Interest Only)
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Our Buy-to-Let mortgages are designed for landlords who wish to build their property portfolio, but we can also accommodate consumer buy-to-let in certain cases.
With our Base Rate Tracker mortgage, the interest rate adjusts in line with the Bank of England base rate. We will inform you of any changes in advance.

Our Buy-to-Let tracker mortgage is  fixed for 5 years. Tracker mortgages are available on both a repayment or Interest-Only option.

Repayment: Your monthly mortgage payment can be arranged to cover both the capital you have borrowed and the interest charged. This will repay your loan at the end of the agreed term.

Interest-Only: With our Interest-Only mortgage, your repayments will only cover the interest due on the amount borrowed. Therefore, you must have a suitable repayment strategy to repay the capital borrowed.

Loan sizes are between £750,000 - £2.5M. Product pricing, fees and features will be agreed on a case-by-case basis. Maximum loan term is 25 years If a property is held within a Limited Company, please contact us for further guidance. Rental income must equate to 125% of mortgage payment at pay rate.

For example: For a Buy-to-Let mortgage of £750,000 on the 2 year fixed rate product of 3.75% the rental income requirement would be calculated as follows:
 750,000 x 3.75% x 125% = £35,156 per annum
FOLLOW ON RATES: Variable rate currently 4.99%
MAXIMUM LOAN: 10M

Selected residential rates available as a Foreign Currency Mortgage– Arrangement fee will be an additional 0.25% to published fee for residential mortgages and an additional 0.50% to published fee for Buy-to-Let mortgages.
*B of E = Bank of England
This rate sheet is for information only and does not constitute a personalised  European Standardised Information Sheet (ESIS)

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
REPAYMENTS ON YOUR MORTGAGE