Buy to Let Mortgage | NatWest

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Buy to Let mortgages

Find out how much you could borrow, your monthly costs and ways to apply

Your property may be repossessed if you do
not keep up repayments on your mortgage

How to find a buy to let mortgage

We have two tools to help you, depending which stage you're at...

Our mortgages and rates, at a glance

Whether you’re buying or changing deals, our mortgage rate finder is a handy tool. You’ll see what’s on offer and the monthly cost of each mortgage.

✔ See the relevant mortgages and rates in just one minute

✔ Find out the cost of monthly repayments

Having viewed our products, you can continue and find how much we might lend with an Agreement in Principle

Try our mortgage rate finder

Understand how much we could lend to you

With an Agreement in Principle, you’ll find out how much you could borrow. This puts you in an ideal place to start your search for a buy to let property.

Get a personalised answer in 5-15 minutes

✔ No impact on your credit file

After getting a result, you can then continue to see our mortgages, select one and apply for it

Get an Agreement in Principle

How to apply for a buy to let mortgage

  • Eligibility

  • Ways to apply


Our Buy to Let mortgage criteria


We do everything in our power to lend responsibly. So if you don’t meet our eligibility criteria below, or your property has multiple occupants or tenancies, we won’t be able to offer you a Buy to Let mortgage at this time. You can apply if:

 You’re a UK resident, aged between 18 and 70

 You have a 25% deposit, or 35% for a new build house or flat

 You’re borrowing at least £25,000 over a minimum of three years

 Your maximum borrowing amount doesn’t exceed £3.5 million

 Your buy to let property is habitable and worth at least £50,000


Ways to apply

Ways to apply

Buy to let Mortgages are a non advised product
This means we will not recommend a particular mortgage for you. However, based on your answers to some questions, we can give you information about our mortgage products so that you can make the final decision yourself.

Right here, online

First, we’ll get your Agreement in Principle in place. Then you can apply online. We’ll ask you for some extra details to complete your application and it should take no longer than 20 minutes.

Just bear in mind, we may not be able to answer any questions you may have. If there’s something you’d like to discuss, pop into your nearest branch or phone us.

You can apply for interest only or capital and interest Buy to Let mortgages online. For part and part mortgages, please speak to us in branch or on the phone.

Apply now

Pop into your nearest branch or call us

The first step is to book an appointment with us in branch or over the phone. Just click the button below to contact us or use our free call back service.

When you apply in branch or by phone, we won’t recommend a particular mortgage for you. But based on the details you give us, we’ll tell you more about our mortgage products, so you can pick what’s best for you.

Book an appointment

Applying by phone

Give us a call to book an appointment with a mortgage adviser over the phone.

Or arrange a free call back

Opening hours: Mon-Fri 8am-8pm, Sat-Sun 9am-4pm. Excluding public holidays. Calls may be recorded. Minicom 0800 027 1396

Top tip

Before calling us, it may be useful to find out how much we could lend with an online Agreement in Principle

What is a Buy to Let mortgage?

Different to a mortgage on a house you want to live in, a Buy to Let mortgage is only for a property you plan to rent out to others. It is an investment, because the interest rates and deposit may be higher than buying a property for yourself, but the rent you charge should cover the monthly payments.

Ready to compare our rates ?
Mortgage rate finder

We are a member of the Financial Services Compensation Scheme (FSCS). Further information is available here (650k PDF) or visit

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