Buy-to-let mortgages
Mortgages, guides and tools for property investors
MORTGAGES
Whether you’re buying to let or growing your property portfolio, explore a range of mortgages, practical tips and specialist insurance to support your plans.
Find deals to help you buy or remortgage buy‑to‑let properties, with landlord insurance available to protect up to three homes.
What’s a Buy-to-let mortgage?
Buy-to-let mortgages are designed to help you buy a property that you intend to rent out to other people, rather than to live in. The amount you can borrow usually depends on the rental income you expect to earn from tenants, although we might consider other income in some circumstances. Typically, you’ll need a higher deposit amount for a buy-to-let mortgage.
How we can help
Check whether you’re eligible and browse our tips if you’re buying to let for the first time.
Our latest Buy-to-let rates
Our best Buy-to-let mortgage rates
Investing in property
Our Buy-to-let mortgages could help you make a success of your investment, whether you’re a first-time buyer or building up your property investment portfolio.
Exclusive Buy-to-let rates
Switch to a new rate if you have a mortgage with us
If you have a buy-to-let mortgage with us, we can offer you exclusive rates if you want to switch to a new deal – and you could borrow more.
Premier landlord mortgages
Exclusive rates for Premier
If you’re eligible for Premier, we could help – whether you’re mortgaging a Buy-to-let property, borrowing more or switching your mortgage to us.
How to apply
Mortgage calculators
Work out which kind of mortgage you could afford
Use our mortgage calculators to work out how much you could borrow and how much deposit you need for a mortgage.
Agreement in Principle
Take the first step to your mortgage
Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.
Book an appointment
Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide.
About buying to let
You can’t live in your own Buy-to-let property – these mortgages are designed for landlords. You’ll need a standard mortgage for a home if you want to live in the property.
While the application process for a Buy-to-let mortgage is similar to applying for a mortgage to buy a home to live in, the eligibility criteria will differ. For example, with a Buy-to-let mortgage application, you’ll need a higher deposit – usually around 25% of the property value, and interest rates are typically higher. We’ll also consider your circumstances, including how many rental properties you already own and how much you owe elsewhere.
You’ll need to be 18 years or older to apply for a Buy-to-let mortgage. If you’re considering a joint application, other applicants need to be aged 18 or older. You don’t need to have a residential property to apply for a Buy-to-let mortgage, and you can apply on your own or with up to three people, providing you’re not part of a company. You can check our income and borrowing limits for more details
For more information on buying to let, see our guide to becoming a Buy-to-let landlord .
Get help or contact us
Chat to us online
If you already bank with us, you can open a chat in Nova Bank app.
Call us
0333 202 7580
Our mortgage experts are available Monday to Friday from 8am to 8pm, Saturdays from 9am to 5pm, Sundays closed, and bank holidays from 9am to 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges .
Visit a branch
Find a branch near you that offers appointments with mortgage advisers and see when we’re open.
Message us
If you are an existing customer, you can message us in the Nova Bank app
Open a Nova Bank Bank Account
Scan the QR code using your phone camera to get started
Scan the QR code with your phone or tablet, or tap the App Store or Google Play buttons below to download the app and begin your application. T&Cs and eligibility apply. 18+ and UK only.
