Our buy to let


We have a competitive range of products for different clients, including limited companies and portfolio landlords.

Product highlights

  • Up to 80% LTV
  • Loans up to £1m (up to £1.5m on our large loans product)
  • No limit to portfolio size, subject to maximum borrowing of £3m with us
  • Rates from 2.79%
For individuals

ICR of 145% x pay rate for 5 year fixed rates

Up to 80% LTV

Maximum age: 85

Maximum loan: £1.5m

Limited companies

ICR of 125% x pay rate for 5 year fixed rates

Up to 80% LTV

No maximum age

Newly incorporated limited companies acceptable

Maximum loan: £1.5m

Portfolio landlords

No business plans or asset and liability statements needed

Simple form to fill in and processing times are the same as non-portfolio cases

Same products as individuals, limited companies and HMOs / MUBs

Portfolio proposition >

Specialist property types

Houses in multiple occupancy (HMOs) up to 8 bedrooms

Multi unit blocks / properties (MUBs) up to 10 units

Short term lets - no AST required

Rates from 2.94%


First time landlords

Rental calculations are the same as shown above for individuals and limited companies

Minimum loan size is £50k

Up to 80% LTV

Applicable to all products

Minimum loan size is £50k

Maximum loan size is £1m (£1.5m on our large loans product)

No minimum income

Maximum total borrowing with Foundation Home Loans is £3m


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