Buy to Let Mortgage | NatWest

Cookies on the NatWest website

Privacy Notice:

We use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device.

You can find out more and set your own preferences here.

Woman reviewing options for Buy to let mortgages

Buy to let mortgages

Buying or changing deal?

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...

Quickly view our products & rates

Quickly search for relevant mortgage products and what their monthly cost would be.

✔ Easily view our mortgage rates in as little as a minute

✔ Get a quick indication of the cost of monthly repayments

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

Mortgage rate finder

Understand how much we could lend to you

This puts you in an ideal place to begin searching for a property with confidence.

✔ Personalised lending indication in about 5-15 mins

✔ No impact on your credit file

After getting a result, you can then proceed 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

Eligibility

Can I apply for a buy to let mortgage?...

 

The following criteria applies for NatWest buy to let mortgage applications:

✔ You need to be a UK resident aged between 18 and 70

✔ You need at least a 25% deposit, or 35% for any new build houses or flats

✔ You must be borrowing at least £25,000 over a minimum of 3 years

✔ Your maximum borrowing amount cannot exceed £3.5 million

✔ The property you wish to purchase, or remortgage to us, must be habitable and worth at least £50,000

 

You cannot apply for a buy to let mortgage with us if you do not meet the above criteria.
Please note, we cannot offer mortgage where the household will have or has multiple occupants, or multiple tenancies.

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.

Online

Online, we won’t be able to answer any questions you may have about our mortgages or your application.

Our Mortgage rate finder and Agreement in Principle tools allow you to quickly see our mortgage products, monthly costs and how much you might be able to borrow, at home, where the information we need is easily accessible.

Interest Only or Capital & Interest mortgages are available online. If you want a 'part capital & interest, part interest only' mortgage, please speak to us by phone or in branch.

Apply online

By phone or in branch

We’ll talk you through the process and arrange an appointment with someone in our mortgage team, on the phone or in a branch.

Your appointment will take around 2 hours.

To save your time, have a quick look at our how much a month our mortgages might cost or completing an Agreement in Principle online in around 15 minutes to see how much we might be able to lend you, before speaking to us.

Apply by phone or in branch

Applying by phone

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

Call 
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

Add your signposting title here…
Buy to let guides
Frequently Asked Questions
Landlord insurance
Existing customer - Manage your mortgage
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 www.fscs.org.uk

  • Call Us
    Lets talk Call us
     
    or Request a Free call back at a time to suit you


    Customers with hearing and speech impairments can contact us by using

    Minicom number 0800 027 1396

Set Tab for lightbox