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

Property use cases

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

Make an enquiry

Contact us today using our short and simple online enquiry form.

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.
Please provide details of your request:
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.
Contact Details
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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

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

Common questions about Buy-to-let mortgages

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.

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.

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.

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.
Steve Pateman

Steve has had an extensive executive career in banking, leading corporate and commercial banking businesses at RBS/NatWest, managing Santander’s UK banking businesses and as CEO of Shawbrook Bank, Hodge Banking Group and most recently successfully leading the banking licence application for StreamBank.

He is a non-executive Director at Bank of Ireland both in the UK and Dublin and Thin Cats, a specialist SME lending business and is retained as an advisor to Black Lion Ventures. He was previously President of the Chartered Banker Institute.

Steve took up the role of Chair (subject to regulatory approval) at Recognise Bank in November 2024, having served as an Investor Non-Executive Director since January 2024.