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- Our Agreement in Principle provides a personalised indication of how much you could borrow
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Royal Bank of Scotland mortgages are available to over 18s. Your property may be repossessed if you do not keep up repayments on your mortgage.
Buy to let (BTL) mortgages are for landlords who want to buy property to rent it out. Applying for a buy to let mortgage is a fairly similar process to a residential mortgage application. However, there are some important differences, particularly when considering how much you can afford and the size of your deposit.
If you need more support then our guide will help.
The following criteria applies for Royal Bank buy to let mortgage applications:
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.
There's lots of requirements that you need adhere to when renting out a property. These include contracts, deposit protection and certificates for the gas and electric.
Are you buying or remortgaging an energy efficient property with a valid Energy Performance Certificate (EPC) rating of A or B? If so, we're now offering new loan to value options and discounted 2 year and 5 year fixed rate green Buy to Let mortgages.
Royal Bank Green Mortgages are available to over 18s purchasing or remortgaging a property with a valid Energy Performance Certificate (EPC) 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).
There's a few steps to take, depending on your circumstances.
We'll outline everything you need to do and consider when you take out a buy to let mortgage with us.