Buy-to-Let Eligibility

Please confirm that you and/or any applicant:

UK Residents:

  • Are buying a property in England or Wales.
  • Be aged 21 or over.
  • Seeking finance of at least £75,000 (up to £5m, or up to £10m by referral).
  • Meet the minimum income criteria:
    • First-time landlords (not owner occupiers): Minimum income £18,000 per year.
    • Combined First-time Buyer and First-time Landlord: Minimum income £18,000 per year.
    • Income top-up cases: Minimum income £32,000 per year.
    • [Please note: no minimum income required if you own another property in the UK and do not require the income top up facility].
  • Require a minimum term of 5 years up to a maximum of 30 years.

UK Expats:

  • Are buying a property in England or Wales.
  • Seeking finance of at least £75,000 and up to £5m (Up to £10m can be considered by referral).
  • Aged 21 or over.
  • Earning at least £18,000 per year or £32,000 if income top up is required.
  • Employed for a minimum of 3 months with your current employer OR self-employed for a minimum of 2 years.
  • Require a minimum term of 5 years up to a maximum of 30 years.

International customers:

  • Are buying a property in England or Wales.
  • Seeking finance of at least £75,000 and up to £5m (Up to £10m can be considered by referral).
  • Aged 21 or over.
  • Earning at least £18,000 per year or £50,000 if income top up is required.
  • Employed for a minimum of 3 months with your current employer OR self-employed for a minimum of 2 years.
  • Require a minimum term of 5 years up to a maximum of 30 years for UK Expats\International applicants.
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