Buy to let in the UK

Flexible options for
property investors

Your home may be repossessed if you do not keep up
repayments on a mortgage or other loan secured on it

Looking to invest in property? Our buy-to-let mortgage allows you to buy up to 10 properties, on top of your principal place of residence.

Buy-to-let mortgage benefits

  • Flexibility - choose from capital repayment or endowment, and a range of fixed, base rate tracker or a variable interest rate
  • No penalty for lump sums - choose our variable rate and you can overpay without incurring a fee
MortgageInitial interest rateFollow on rateOverall cost for comparisonOther information
2 Yr Fixed Rate Mortgage
7.25% fixed
until 30/09/2010
7.19% variable7.6% APR
  • Arrangement fee 1% of loan amount
  • Drawdown fee £30
  • Fixed rate renewal fee £999
  • Minimum loan £100,000
  • Early repayment charge of 3% until 30/09/2010

3 Yr Fixed Rate Mortgage
7.25% fixed
until 30/09/2011
7.19% variable7.6% APR
  • Arrangement fee 1% of loan amount
  • Drawdown fee £30
  • Fixed rate renewal fee £999
  • Minimum loan £100,000
  • Early repayment charge of 3% until 30/09/2011

3 Yr Base Rate Tracker
6.50% variable
tracks BoE Base Rate +1.50%		7.19% variable6.8% APR
  • Arrangement fee 1% of loan amount
  • Drawdown fee £30
  • Minimum loan £100,000
  • Early repayment charge applies of 3 months interest on capital amount repaid early during initial twelve months


Maximum Loan to Value (LTV)

  • Capital repayment
    75% on loans up to £1,000,000
    70% on loans between £1,000,000 and £2,000,000
    Loans over £2,000,000 by negotiation
  • Interest only
    70% on loans up to £1,000,000
    65% on loans between £1,000,000 and £2,000,000
    Loans over £2,000,000 by negotiation

Mortgages are offered by The Royal Bank of Scotland plc (Isle of Man branch). These mortgages are available for United Kingdom properties in limited circumstances only and are not covered by the majority of rules and regulations made under the UK Financial Services and Markets Act 2000. This means that the protection of those rules and regulations and of the UK Financial Services Compensation Scheme will not be available to borrowers.

Please ensure you read the legal information which covers
your use of this website