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.
Your buy-to-let property may be repossessed or a receiver of rent appointed if you do not keep up payments on your mortgage.
You’ll need to be 18 years or older – 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
You can apply on your own or with up to three people, providing you’re not part of a company
To borrow up to £1 million, at least one applicant needs an annual gross income of £25,000
To borrow more than £1 million with no other applicants, you’ll need a gross annual income of £75,000
For joint applications for more than £1 million, where none of you has £75,000 gross annual income, you can apply with a joint gross annual income of £100,000
Borrow up to £2 million per buy-to-let property
Total borrowing of £3 million across all buy-to-let mortgages with us or £4.5 million across all lenders, including us
A maximum of six mortgaged rental properties with us, or 10 across all lenders, including us
Use our calculator to check your buy-to-let eligibility and affordability, and then call us or visit a branch to book an appointment with a mortgage adviser.
Confirm that you’re eligible and see what you could afford to borrow by answering a few questions about your circumstances, income and outgoings.
If you already bank with us, you can open a chat in Online Banking.
You can call us on Monday to Friday from 7am to 8pm, and on Saturday and Sunday from 7am to 5pm.
Find a branch near you that offers appointments with mortgage advisers and see when we’re open.
You can also check our full mortgage range [PDF, 563KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.
| Product fee | Annual percentage rate of charge | Follow on rate | Loan to value (LTV) | ||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Product fee | Annual percentage rate of charge | Follow on rate | Loan to value (LTV) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.41% Buy to Let 5 Year Fixed (Remortgage Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£1795 | 7.3% APRC | 8.99% variable for the remaining term * | 75% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.57% Buy to Let 5 Year Fixed (Remortgage Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£0 | 7.3% APRC | 8.99% variable for the remaining term * | 60% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.67% Buy to Let 5 Year Fixed (Purchase Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£1295 | 7.4% APRC | 8.99% variable for the remaining term * | 75% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.79% Buy to Let 5 Year Fixed (Remortgage Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£0 | 7.4% APRC | 8.99% variable for the remaining term * | 75% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.80% Buy to Let 5 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£2495 | 7.4% APRC | 8.99% variable for the remaining term * | 60% (Min loan £1,000,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 5.01% Buy to Let 2 Year Fixed (Portfolio Only)^. | |||||||||||||||||||||||||||||||||||||||||||||||||
£2495 | 8.6% APRC | 8.99% variable for the remaining term * | 75% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 5.01% Buy to Let 2 Year Fixed (Remortgage Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£1795 | 8.6% APRC | 8.99% variable for the remaining term * | 75% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 5.15% Buy to Let 2 Year Fixed (Remortgage Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£0 | 8.5% APRC | 8.99% variable for the remaining term * | 60% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 5.15% Buy to Let 2 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£2495 | 8.5% APRC | 8.99% variable for the remaining term * | 60% (Min loan £1,000,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 5.38% Buy to Let 2 Year Fixed (Purchase Only). | |||||||||||||||||||||||||||||||||||||||||||||||||
£1295 | 8.6% APRC | 8.99% variable for the remaining term * | 75% (Min loan £35,000, Max loan £1,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
*BEBR means the Bank of England Base Rate, which is currently 4.50% (effective 06 February 2025).
^ Available for Portfolio Landlords only
Portfolio Landlords are those with four mortgaged rental properties or more across all lenders. This includes the subject property.
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Practical tips for landlords
Read our tips on how to become a landlord – from choosing a property and mortgage, to understanding your tax liabilities and legal responsibilities to tenants.
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.
See if you're eligible for a Barclays Green Buy-to-Let Mortgage.
We’ll reward you with a lower mortgage rate on certain deals when you buy an energy-efficient property – it’s just one of the ways we support greener choices.
If you already bank with us, you can open a chat in Online Banking.
You can call us1on Monday to Friday from 7am to 8pm, and on Saturday and Sunday from 7am to 5pm.
If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.
Lines are open Monday to Friday from 7am to 8pm, and Saturday and Sunday from 9am to 5pm.. To maintain a quality service, we may monitor and record phone calls. Call charges.Return to reference
