We're back lending up to 75% LTV for BTL house purchase and remortgages

Following our re-introduction of lending on flats and properties of non-standard construction we're making further changes to our BTL criteria and launching new products.

As the housing market comes back to life we've good news for your BTL clients. From today we're increasing our LTV limit to 75% for remortgages and we're also back lending for house purchase up to 75% LTV.


Where possible house purchase applications will be subject to a physical valuation. But, to ensure the safety of all those concerned, appointments will be reduced and specific guidelines adhered to, which could impact timeframes.

We can accept applications in Wales however due to current restrictions we are unable to carry out a physical valuation. This means we will process the case as far as we can and place it on hold until we can carry out a valuation.

New BTL products

To support the changes, we've launched the following remortgage and house purchase products.

Our 75% LTV remortgage deals are available on either a 2 or 5 year term with rates starting at 1.84% for 2 year and 2.16% for 5 year deals. Both of these rates come with a £1495 fee however we do have other products with lower or zero fees. All our remortgage products come with a free standard valuation and either £250 cashback or paid legal fees.

Our 75% house purchase deals are also available on either 2 or 5 year terms with rates starting at 1.71% for 2 year and 1.81% for 5 year deals. All these products come with a free standard valuation and £500 cashback. Products up to 75% LTV available with various fee options.