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FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

LTV

Loan to Value

Buy To Let - Loan Type

 

Credit Score – A1/A2

Credit Score – A3

Credit Score – A4

 

Buy to Let (including Business Buy to Let and Consumer Buy to Let) - LTV restrictions apply to all application types on a Buy to Let with the exception of New Build flats/maisonettes which will be restricted to 75% LTV.

80%*

75%

65%

New Build - Buy to Let Houses and Bungalows

80%*

75%

65%

New Build - Buy To Let Flats and Maisonettes (purpose built and converted)

75%

75%

65%

Interest Only

80%*

75%

65%

*80% LTV is a hard stop, so loan plus fees can’t exceed 80%.

  • For affordability, when determining the minimum and maximum loan amount, the product fee will be added to the loan for every application.
  • Fees cannot be added to the mortgage, if this will result in the LTV exceeding 80% .
  • A Rate Switch with no additional borrowing is available up to 120% LTV.
  • For product LTVs please see the latest Product Guide.