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FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

Buy-to-Let criteria

Find out all about our lending criteria for new clients.

Here is an overview of our lending criteria for new Buy-to-Let mortgage applicants. Whilst we aim to cover all relevant information, this criteria does not detail all our requirements and for anything you are unable to find, contact your BDM, or call our Telephone Business Development Managers via your regional case management team , (option 3).

Latest criteria changes

View our latest criteria changes

Last updated 17 July 2025

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New build properties

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Switch","Url":"/criteria/buy-to-let/rate-switch/","Category":"Property","StartingLetter":"R","Subjects":[]},{"Heading":"Property","Url":"/criteria/buy-to-let/property/","Category":"Property","StartingLetter":"P","Subjects":[{"Heading":"Condition","Url":"/criteria/buy-to-let/property/#Condition","Hashtag":"Condition","StartingLetter":"C"},{"Heading":"Energy rating","Url":"/criteria/buy-to-let/property/#Energyrating","Hashtag":"Energyrating","StartingLetter":"E"},{"Heading":"Estate Management/Maintenance Charges and Service Charges for Freehold Properties","Url":"/criteria/buy-to-let/property/#EstateManagement/MaintenanceChargesandServiceChargesforFreeholdProperties ","Hashtag":"EstateManagement/MaintenanceChargesandServiceChargesforFreeholdProperties ","StartingLetter":"E"},{"Heading":"Service Charges for Leasehold Properties","Url":"/criteria/buy-to-let/property/#ServiceChargesforLeaseholdProperties","Hashtag":"ServiceChargesforLeaseholdProperties","StartingLetter":"S"},{"Heading":"Leasehold property","Url":"/criteria/buy-to-let/property/#Leaseholdproperty","Hashtag":"Leaseholdproperty","StartingLetter":"L"},{"Heading":"Flats with balcony/open deck access","Url":"/criteria/buy-to-let/property/#Flatswithbalconyopendeckaccess","Hashtag":"Flatswithbalconyopendeckaccess","StartingLetter":"F"},{"Heading":"Ground Rent","Url":"/criteria/buy-to-let/property/#GroundRent","Hashtag":"GroundRent","StartingLetter":"G"},{"Heading":"Other Freehold Arrangements","Url":"/criteria/buy-to-let/property/#Other Freehold Arrangements","Hashtag":"Other Freehold Arrangements","StartingLetter":"O"},{"Heading":"High rise flats","Url":"/criteria/buy-to-let/property/#Highriseflats","Hashtag":"Highriseflats","StartingLetter":"H"},{"Heading":"Ex local authority properties","Url":"/criteria/buy-to-let/property/#Exlocalauthorityproperties","Hashtag":"Exlocalauthorityproperties","StartingLetter":"E"},{"Heading":"Properties above, adjacent or near to commercial premises","Url":"/criteria/buy-to-let/property/#Propertiesaboveadjacentorneartocommercialpremises","Hashtag":"Propertiesaboveadjacentorneartocommercialpremises","StartingLetter":"P"},{"Heading":"Studio flats","Url":"/criteria/buy-to-let/property/#Studioflats","Hashtag":"Studioflats","StartingLetter":"S"},{"Heading":"Unacceptable properties","Url":"/criteria/buy-to-let/property/#Unacceptableproperties","Hashtag":"Unacceptableproperties","StartingLetter":"U"},{"Heading":"Number of Rooms","Url":"/criteria/buy-to-let/property/#NumberofRooms","Hashtag":"NumberofRooms","StartingLetter":"N"}]},{"Heading":"Portability","Url":"/criteria/buy-to-let/portability/","Category":"Mortgage","StartingLetter":"P","Subjects":[]},{"Heading":"Occupancy","Url":"/criteria/buy-to-let/occupancy/","Category":"Property","StartingLetter":"O","Subjects":[{"Heading":"Occupancy restriction","Url":"/criteria/buy-to-let/occupancy/#Occupancyrestriction","Hashtag":"Occupancyrestriction","StartingLetter":"O"},{"Heading":"Family occupancy","Url":"/criteria/buy-to-let/occupancy/#Familyoccupancy","Hashtag":"Familyoccupancy","StartingLetter":"F"}]},{"Heading":"New build properties","Url":"/criteria/buy-to-let/new-build-properties/","Category":"Property","StartingLetter":"N","Subjects":[{"Heading":"New build cash incentives","Url":"/criteria/buy-to-let/new-build-properties/#Newbuildcashincentives","Hashtag":"Newbuildcashincentives","StartingLetter":"N"}]},{"Heading":"Large Loans","Url":"/criteria/buy-to-let/large-loans/","Category":null,"StartingLetter":"L","Subjects":[]},{"Heading":"Exposure limits","Url":"/criteria/buy-to-let/exposure-limits/","Category":"Mortgage","StartingLetter":"E","Subjects":[]},{"Heading":"Employment","Url":"/criteria/buy-to-let/employment/","Category":"Work","StartingLetter":"E","Subjects":[]},{"Heading":"Deposits","Url":"/criteria/buy-to-let/deposits/","Category":"Money","StartingLetter":"D","Subjects":[{"Heading":"Family Gift","Url":"/criteria/buy-to-let/deposits/#FamilyGift","Hashtag":"FamilyGift","StartingLetter":"F"},{"Heading":"Vendor Deposits and Cashbacks (non new build properties)","Url":"/criteria/buy-to-let/deposits/#VendorDepositsandCashbacksnonnewbuildproperties","Hashtag":"VendorDepositsandCashbacksnonnewbuildproperties","StartingLetter":"V"}]},{"Heading":"Availability","Url":"/criteria/buy-to-let/availability/","Category":"Mortgage","StartingLetter":"A","Subjects":[]},{"Heading":"Affordability","Url":"/criteria/buy-to-let/affordability/","Category":"Money","StartingLetter":"A","Subjects":[]},{"Heading":"Adverse Credit","Url":"/criteria/buy-to-let/adverse-credit/","Category":"Supporting individual needs","StartingLetter":"A","Subjects":[{"Heading":"CCJs/defaults","Url":"/criteria/buy-to-let/adverse-credit/#CCJsdefaults","Hashtag":"CCJsdefaults","StartingLetter":"C"},{"Heading":"Arrears","Url":"/criteria/buy-to-let/adverse-credit/#Arrears","Hashtag":"Arrears","StartingLetter":"A"},{"Heading":"Bankruptcy / IVA / Debt Relief Order / Debt Management Plan","Url":"/criteria/buy-to-let/adverse-credit/#BankruptcyIVADebtReliefOrder","Hashtag":"BankruptcyIVADebtReliefOrder","StartingLetter":"B"}]}]}