Consumer
Buy to Let

CBTL mortgages are regulated as residential mortgages and are aimed at ‘accidental’ or non-professional landlords.

We recently made our entire BTL product range available for Consumer Buy to Let (CBTL) mortgages. Below is a flow chart to help you determine if your clients mortgage is classed a CBTL or Investment Property Loan.

Remember, a firm that advises on, arranges, lends or administers CBTL mortgages must be authorised to do so.



*A Buy to let mortgage is a mortgage that, at the point it was taken out, was for the purposes of financial rental property and contains conditions preventing the borrower, or their relatives, from occupying the property at the time.

**Related person means an applicant's spouse, civil partner, common law husband or wife (whether or not of the opposite sex), parent, sister, brother, grandparent or grandchild. (This includes scenarios such as step parents/children.)

***An Investment Property Loan is a non-consumer Buy to let mortgage that will not be occupied by the borrower or their relatives, and has been entered into a predominantly for the purpose of the business.