We’re currently working on our BTL calculator in light of our recent criteria changes. We hope to have this back up and running soon but if you need any help in the meantime, please contact your BDM or the Helpdesk on 0330 123 1073.

Lending criteria.

We can help with all types of cases, so check our lending criteria for the latest guidelines.

Our criteria is split into residential and buy to let, so use the options below to find the criteria you need.



Offer expiry time (New Build)

Displays the number of days a NEW BUILD Buy to Let mortgage offer is valid for.

Our mortgage offers for new build applications will state a validity period of 6 months.

Offer expiry time (Standard)

Displays the number of days a STANDARD Buy to Let mortgage offer is valid for.

A standard mortgage offer is valid for 3 months from the date the offer is issued.

Offset Mortgages Available?

Indicates if we can offer Buy to Let offset mortgages (subject to product availability).

We do not offer offset mortgages.

Overpayment facility as standard (percentage)

Indicates the amount you can usually overpay (subject to product availability) without penalty on our Buy to Let mortgages. 

Fee free overpayments up to 50% of the original loan (subject to product availability)

Ownership of Adjoining Property (Related Transaction)

Indicates if we can potentially lend on a property where the adjoining property is also owned by one of the applicants.

We do not lend on properties where the applicant also owns the adjoining property.

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