Mortgages
Your property may be repossessed if you do not keep up repayments on your mortgage.
Our mortgage services support eligible clients looking to purchase or refinance UK property. Product availability varies depending on whether you are a UK resident or an international client, whether you are borrowing as an individual or through a UK Special Purpose Vehicle, and the type of property and mortgage required. We will explain the options available to you, together with the relevant eligibility criteria, fees and key risks, before you proceed.
Your property may be repossessed if you do not keep up repayments on your mortgage.
This page provides general information only and does not constitute mortgage advice or a mortgage offer. Product availability depends on your circumstances and our lending criteria.
UK Residents – Buy-to-Let Mortgages
What we offer
- Buy-to-Let purchase and refinance options
- Mixed-use mortgages
- Houses in Multiple Occupation (HMO)
- Multi-Unit Freehold Blocks (MUFB)
- Fixed and tracker rate products, where available
Key Criteria:
- Minimum loan size for new clients: £250,000
- Maximum loan-to-value (LTV): 80%
- Applicants must be aged 21 to 80
- Lending is available on UK properties only, for individuals and UK Special Purpose Vehicles
- Minimum term: 5 years
- Maximum term: 25 years
- First-time landlords may be considered
- We require a first legal charge over the property
International Clients – Buy-to-Let Mortgages
What we offer
- Owner-occupier residential mortgages
Key Criteria:
- Minimum loan size: £250,000
- Maximum loan-to-value (LTV): 65%
- Maximum term: 25 years, subject to lending criteria
- We require a first legal charge over the property
International Clients – Owner-Occupier Mortgages
What we offer
- Owner-occupier residential mortgages
Key Criteria:
- Minimum loan size: £500,000
- Maximum loan-to-value (LTV): 65%
- Maximum term: 25 years, subject to lending criteria
- We require a first legal charge over the property
International Clients – Commercial Buy-to-Let Mortgages
What we offer
- Commercial Buy-to-Let mortgages
Key Criteria:
- Availability and eligibility depend on the property, borrower profile and lending criteria
- Please contact us to discuss your requirements
How it works
Getting started typically involves an initial conversation and an onboarding process so we can understand your circumstances and the type of mortgage you require.
We may ask for information and documents to support our assessment, for example identity and verification documents, income evidence, information about the property and, where relevant, details of ownership or the source of funds.
Requirements and timescales vary depending on the product, your circumstances and the complexity of the case.
We will explain the next steps, any applicable fees and the information we need before you proceed.
Contact Us
Pricing, fees and charges (where applicable) will depend on the product, your circumstances and the structure of the lending requested. For more information on mortgages, please contact us.
Important Information
- Eligibility criteria apply and may vary by product.
- Fees and charges may apply. Please review the tariff before applying.
- All lending is subject to status, affordability, valuation and credit assessment.
- Terms and conditions apply.