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Planning to buy to let?
Your property may be repossessed if you do not keep up repayments on your mortgage
To help you find the right product(s), consider how many mortgaged Buy to Let properties you have. If it's four or more, you're what we call a 'portfolio landlord', and can pick products with the word 'portfolio' in the name. If it's three or fewer, you can choose from all the other products below.
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Products for properties rated EPC A-C

We've developed a Buy to Let range for properties with an EPC rating of A, B or C. You'll be able to identify these products by looking for 'EPC A-C' in the product name. Find out more about the range.


Please note if you choose one of these products for a property rated D or below, your application won't be successful.

EPC

Mortgage calculator

Repayment method

EPC (Energy performance certificate)

Important: In order to be able to apply for an EPC A-C product, the property to be mortgaged must have a rating between A-C. If not, filter 'EPC D-G' to see what other products are available. This can be found at Gov.uk.

Energy performance certificates (EPCs) tell you how energy efficient a building is.

EPCs rate a home from A (very efficient) to G (inefficient). They'll tell you how costly it will be to heat and light your property, and what its CO2 emissions are likely to be.

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(you'll be able to find this on your sourcing system).
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PL EPC A-C 4.36% Fixed to 31.07.31

Rate

4.36%

4.36% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.7%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

Portfolio 4.26% Fixed to 31.07.31

Rate

4.26%

4.26% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.8%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

PL EPC A-C 4.12% Fixed to 31.07.28

Rate

4.12%

4.12% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

PL EPC A-C 4.65% Fixed to 31.07.31

Rate

4.65%

4.65% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.8%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

PL EPC A-C 4.76% Fixed to 31.07.28

Rate

4.76%

4.76% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

EPC A-C 4.61% Fixed to 31.07.28

Rate

4.61%

4.61% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

EPC A-C 4.50% Fixed to 31.07.31

Rate

4.50%

4.50% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.8%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

4.11% Fixed to 31.07.31

Rate

4.11%

4.11% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.7%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C 4.28% Fixed to 31.07.31

Rate

4.28%

4.28% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.8%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

Portfolio 4.81% Fixed to 31.07.28

Rate

4.81%

4.81% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C 4.42% Fixed to 31.07.28

Rate

4.42%

4.42% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.2%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

Portfolio 4.70% Fixed to 31.07.31

Rate

4.70%

4.70% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.9%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

PL EPC A-C 4.43% Fixed to 31.07.31

Rate

4.43%

4.43% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.9%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

EPC A-C 4.21% Fixed to 31.07.31

Rate

4.21%

4.21% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.6%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

Portfolio 4.62% Fixed to 31.07.28

Rate

4.62%

4.62% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

Portfolio 4.41% Fixed to 31.07.31

Rate

4.41%

4.41% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.7%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

PL EPC A-C 4.26% Fixed to 31.07.28

Rate

4.26%

4.26% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.4%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

4.66% Fixed to 31.07.28

Rate

4.66%

4.66% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C 3.97% Fixed to 31.07.28

Rate

3.97%

3.97% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

4.33% Fixed to 31.07.31

Rate

4.33%

4.33% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.9%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

Portfolio 4.17% Fixed to 31.07.28

Rate

4.17%

4.17% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

Portfolio 4.31% Fixed to 31.07.28

Rate

4.31%

4.31% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.4%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

Portfolio 4.48% Fixed to 31.07.31

Rate

4.48%

4.48% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.9%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

4.47% Fixed to 31.07.28

Rate

4.47%

4.47% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.2%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

4.26% Fixed to 31.07.31

Rate

4.26%

4.26% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.7%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

4.55% Fixed to 31.07.31

Rate

4.55%

4.55% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.8%

Product fee

£0

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

4.02% Fixed to 31.07.28

Rate

4.02%

4.02% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C 4.11% Fixed to 31.07.28

Rate

4.11%

4.11% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

PL EPC A-C 4.21% Fixed to 31.07.31

Rate

4.21%

4.21% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.8%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

EPC A-C 4.06% Fixed to 31.07.31

Rate

4.06%

4.06% Fixed Rate until 31.07.31
Followed by 6.54% Variable for remainder of term

APRC

5.7%

Product fee

£1999

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

PL EPC A-C 4.57% Fixed to 31.07.28

Rate

4.57%

4.57% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£0

Information

Max loan to value: 65%
Early repayment charge: Yes

Information

Max loan to value: 65%
Early repayment charge: Yes

EPC A-C product selected

You have selected to view one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'View product'.

EPC A-C product selected

You have selected to see how to apply for one of our EPC A-C mortgage products. To be eligible for this product, the property you're looking to mortgage must have an EPC rating between A-C.

Unsure whether yours does? Visit gov.uk to find out.

If you still want to find out more, click 'How to apply'.

4.16% Fixed to 31.07.28

Rate

4.16%

4.16% Fixed Rate until 31.07.28
Followed by 6.54% Variable for remainder of term

APRC

6.3%

Product fee

£1999

Information

Max loan to value: 75%
Early repayment charge: Yes

Information

Max loan to value: 75%
Early repayment charge: Yes

Want help?
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Call us on 0800 121 8899

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Yesterday, people waited on average 

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17 seconds for mortgage enquiries

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Want help?
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Call us

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