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Individual Buy to Let mortgages for product switch

See our current range of individual Buy to Let mortgage products available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time.

A summary of our current range of Buy to Let mortgage products available for product switch can be found here.

 

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Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

5.19% 5 Year Fixed Rate to 31/10/2029 (XF0842)
5.19% 9.19% 7.5%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/10/2029
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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5.34% 5 Year Fixed Rate to 31/10/2029 (XF0843)
5.34% 9.19% 7.6%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 70%
  • Fixed Rate end date - 31/10/2029
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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5.44% Expat 5 Year Fixed Rate to 31/10/2029 (XF0850)
5.44% 9.19% 7.9%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/10/2029
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.9% APRC.

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5.59% Expat 5 Year Fixed Rate to 31/10/2029 (XF0851)
5.59% 9.19% 8.0%APRC
  • Interest-Only
 70% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 31/10/2029
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

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5.69% 2 Year Fixed Rate to 30/11/2026 (XF0840)
5.69% 9.19% 8.7%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2026
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.7% APRC.

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5.84% 2 Year Fixed Rate to 30/11/2026 (XF0841)
5.84% 9.19% 8.7%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 70%
  • Fixed Rate end date - 30/11/2026
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.7% APRC.

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5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)
5.99% 9.19% 8.9%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2026
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.9% APRC.

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6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)
6.14% 9.19% 8.9%APRC
  • Interest-Only
 70% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 70%
  • Fixed Rate end date - 30/11/2026
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.9% APRC.

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6.59% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)
6.59% 9.19% 9.0%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages
  • Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 9.0% APRC.
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases

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6.74% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)
6.74% 9.19% 9.1%APRC
  • Interest-Only
  • Repayment
 70% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.24%
  • Loan to Value - 70%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 9.1% APRC.
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases

See full details for fee details, documents you'll need, and more.

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Comparing two mortgage products

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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.