Buy-to-Let Mortgage

Tailored for property investors and professional landlords, our buy-to-let mortgages provide the funds you need to expand your portfolio.

Product highlights

Loan offerings

Borrow £250,000 - £10 million
Up to 75% LTV available
Loan terms of up to 10 years
Flexible repayment terms of up to 25 years
Interest-only repayments available
Tailored-to-you pricing
Residential Standard Variable Rate (applies following the end of any fixed rate period), currently 8.25%

Property use cases

Applying for a loan is easy. Here’s what to expect:

Make an enquiry

Guided application

Our team will be in touch to discuss your needs and help you complete the full application.

Swift access to funds

Once your loan has been agreed, we aim to provide you with your funding as quickly as possible.

Ongoing support

Enjoy access to your dedicated relationship team throughout the life of your loan.

Start your journey with Recognise Bank

Check if you’re eligible for a buy-to-let mortgage loan by making an enquiry today.

Before we start, please confirm the following:

You are purchasing or refinancing residential property to let (not to live in).
The property is in England, Wales, or Scotland.
You currently live in the UK, or your company is registered in the UK, Isle of Man or Channel Islands. The Centre of Main Interest must be in the UK.
Your company has been trading for a minimum of 2 years.
Maximum five satisfied CCJ’s within the last 3 years and no missed secured loan repayments within the last 12 months.
You have not been declared bankrupt or entered an IVA / CVA in the last 3 years.
You have 4 or more properties in your portfolio in England, Wales, or Scotland.

I confirm these statements are correct.

Please provide details of your request:

Which of the following applies to you:

What is the purpose of your loan?

How many properties are in your portfolio?

How much would you like to borrow?

You’ll need to have the following when completing your full application:

Minimum 2 years of full financial accounts.
Management information, reports, or forecasts giving insight into your business operations and financial health.
6 months' business and personal bank statements.
Completion of our Asset and Liabilities/Income and Expenditure from (provided during the application process).
Proof of identification and address.

I confirm I will have access to these records.

Contact Details

First name

Last name

Telephone

Company name (if applicable)

Postcode

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What is a buy-to-let mortgage?

A buy-to-let mortgage can be the key that opens the door to investment opportunities.

Our tailored financing solutions support the acquisition of various types of rental properties including HMOs, holiday lets, ASTs and other forms of tenancy. Please be aware that our loans are currently limited to property investors and professional landlords who already own a portfolio of at least four properties, and the properties must be located in England, Wales or Scotland.

Recognise your potential

We believe business shouldn’t be held back by a bank.

That’s why we’ve made it our mission to create a fully licensed digital bank which puts relationships first.

We work with businesses not against them. And we aim to be as flexible as possible with all of our offerings and services, no matter what your business needs. It’s why our customers, brokers and partners love working with us.

Explore our range of award winning savings accounts, business loans, and specialist mortgages today and let us help your business thrive.

Explore our range of lending products

Commercial mortgages

Flexible borrowing from £250,000 to £7.5 million allowing you to expand your business with loan terms of up to 10 years.

Bridging loans

A short-term fix for fast financing – secure up to £10 million for your next project with tailored to you loan terms of up to 24 months.

Unsecure business loans

Borrow up to £100,000 and give your business access to quick funding using our online application.

Common questions about Buy-to-let mortgages

Who can apply for a buy-to-let mortgage?

Our buy-to-let mortgages are for property investors and professional landlords with a current portfolio of at least four properties.

Our buy-to-let mortgages are unregulated and designed for business purposes only.

We’ve designed this loan for several business types including Sole Traders, Partnerships, Limited Companies and LLPs that are based or registered in the UK, Isle of Man or Channel Islands. Please note, the Centre of Main Interest must be in the UK.

How much deposit do I need for a buy-to-let mortgage?

We’ll finance up to the quoted Loan to Value percentage, and you will be responsible for covering the remaining balance required to meet the property’s purchase price.

How much can I borrow with a buy-to-let mortgage?

The loan amount we can provide will be assessed once we have received your full application. Typically, the minimum loan size is £250,000 up to a maximum of £10 million.

Rest assured, our dedicated relationship team will be able to discuss all of your options with you in detail.

What fees do I have to pay on a buy-to-let mortgage?

Buy-to-let mortgage fees may include arrangement fees, valuation fees, legal costs, broker fees or early repayment charges.

The fees we charge are determined on a case-by-case basis in accordance with our terms and conditions.

Please send us an enquiry and a member of the team will be able to discuss these with you in detail.

Can't find what you're looking for?

Check out our lending FAQs or contact us for additional support.