buy-to-let

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Buy to Let

Explore your mortgage options

Step 1: Find out what we could offer you

Get a personalised indication of how much you could borrow in less than 10 minutes
It won't impact your credit score
Shows your estate agent that you're a serious buyer

Online mortgages are provided by NatWest which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Royal Bank of Scotland may receive a fee based on a percentage of any mortgage entered into for this referral. NatWest and Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Get an Agreement in Principle

Pick up where you left off

Or use our mortgage calculator

Get a rough idea of how much we might be able to lend you, see our rates, the monthly payments and find out about any fees involved.

Mortgage calculator

Step 2: Ready to apply for your new mortgage?

Apply online today or contact us if you'd like support
Save progress and come back whenever you like
Upload, submit and sign all of your documents online

Apply now

Buy to let mortgage information

Check to see if you're eligible

You're a UK resident aged between 18 and 80
Your expected rental income to be at least 125% of your monthly interest payments
You have at least a 25% deposit, or 35% for any new build houses or flats
The property is worth at least £50,000
You're borrowing at least £25,000 over a minimum of 3 years
Your total aggregated borrowing with Royal Bank brands will be less than £3.5 million

We will not consider multiple tenancies, Homes of Multiple Occupancy (HMO), bedsits, ‘Related Person’ tenancies, properties that fall under a selective licensing scheme or properties that will be used as a holiday home or holiday let

You cannot apply for a buy to let mortgage with us if you do not meet the above criteria

Read our buy to let guide

Learn more about purchasing a buy to let, becoming a landlord and the responsibilities and costs involved in letting out a property.

Buy to let guide

Why choose Royal Bank?

No product fee on selected mortgages
Submit your documentation online with our paperless mortgage application
Discounted mortgage rates when buying or remortgaging an energy efficient property (with a valid Energy Performance Certificate rating of A or B). Available on selected products marked with 'Green Mortgage'. Exclusions and eligibility criteria applies. Product fees apply. Max LTV 75% (for new build flats or houses a maximum LTV of 65% applies).

More about Green Mortgages

Tools to help you

Get an Agreement in Principle

How much could I borrow calculator

Need some help? Call us if you need additional support or technical help

4 or more buy to let properties? Please contact us over the phone or in branch.
3 or fewer buy to let properties? Please use our tools and guidance designed to help you complete your mortgage application online.
Need additional assistance? Get in touch so we can discuss your personal circumstances and understand how we can support you.

Call us on 0800 056 0567

Relay UK: 18001 0800 056 0567

Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. Excluding public holidays.

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