Buy to let

Residential

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HMOs/MUFBs up to 10 bedrooms/units accepted
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No maximum loan amount
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£75,000 minimum property value
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More fee options alongside lower rates to help with affordability
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MUFBs 11 to 20 bedrooms/units accepted
icon
No maximum loan amount
icon
£75,000 minimum property value
icon
More fee options alongside lower rates to help with affordability
icon
HMOs/MUFBs up to 10 bedrooms/units accepted
icon
No maximum loan amount
icon
£75,000 minimum property value
icon
More fee options alongside lower rates to help with affordability
Filters:
55% LTV 65% LTV 75% LTV 80% LTV
LTV Product Type Rate Fee ERC Loan amounts Assessment rate Product code
55% 5 years fixed 5.14% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.14% 02790 KBTL2405 Apply
55% 5 years fixed 5.44% 3.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.44% 02791 KBTL2405 Apply
55% 5 years fixed 5.64% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.64% 02792 KBTL2405 Apply
65% 5 years fixed 5.24% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.24% 02793 KBTL2405 Apply
65% 5 years fixed 5.54% 3.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.54% 02794 KBTL2405 Apply
65% 5 years fixed 5.74% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.74% 02795 KBTL2405 Apply
75% 2 year tracker 5.99% 3%

1%, 1%

£50,000 min loan

No max loan

 7.54% 02631 KBTL2401 Apply
75% 2 year tracker 5.99% 4%

-

£50,000 min loan
No max loan

 7.54% 02632 KBTL2401 Apply
75% 2 years fixed 5.39% 3.5%

4%, 3%

£50,000 min loan
No max loan

 6.94% 02797 KBTL2405 Apply
75% 2 years fixed 5.89% 2.5%

4%, 3%

£50,000 min loan
No max loan

 7.44% 02798 KBTL2405 Apply
75% 5 years fixed 5.34% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.34% 02799 KBTL2405 Apply
75% 5 years fixed 5.64% 3.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.64% 02800 KBTL2405 Apply
75% 5 years fixed 5.84% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.84% 02801 KBTL2405 Apply
80% 2 years fixed 6.09% 3.5%

4%, 3%

£50,000 min loan
No max loan

 7.64% 02773 KBTL2404 Apply
80% 2 years fixed 6.59% 2.5%

4%, 3%

£50,000 min loan
No max loan

 8.14% 02774 KBTL2404 Apply
80% 5 years fixed 6.24% 3.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 6.24% 02775 KBTL2404 Apply
80% 5 years fixed 6.44% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 6.44% 02776 KBTL2404 Apply
Load moreresidetlsdownarr

Revert rate: BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%
Application fee: £145

View our product guide

And there’s more… take a look at our online criteria guide here.

Apply

Acceptable credit profile

*These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • All CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application

**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.

CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**
Filters:
75% LTV
LTV Product Type Rate Fee ERC Loan amounts Assessment rate Product code
75% 2 years fixed 5.39% 4.5%

4%, 3%

£50,000 min loan
No max loan

 6.94% 02802 KBTL2405 Apply
75% 2 years fixed 5.89% 3.5%

4%, 3%

£50,000 min loan
No max loan

 7.44% 02803 KBTL2405 Apply
75% 2 years fixed 6.39% 2.5%

4%, 3%

£50,000 min loan
No max loan

 7.94% 02804 KBTL2405 Apply
75% 5 years fixed 5.44% 5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.44% 02805 KBTL2405 Apply
75% 5 years fixed 5.64% 4%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.64% 02806 KBTL2405 Apply
75% 5 years fixed 5.74% 3.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.74% 02807 KBTL2405 Apply
75% 5 years fixed 5.94% 2.5%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 5.94% 02808 KBTL2405 Apply
Load moreresidetlsdownarr

Revert rate: BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%
Application fee: £145

View our product guide

And there’s more… take a look at our online criteria guide here.

Apply

Acceptable credit profile

*These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • All CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application

**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.

CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**
Filters:
70% LTV
LTV Product Type Rate Fee ERC Loan amounts Assessment rate Product code
70% 2 years fixed 4.54% 5%

4%, 3%

£50,000 min loan
No max loan

 6.09% 02874 KBTL2407 Apply
70% 5 years fixed 4.79% 7%

5%, 5%, 4%,
4%, 3%

£50,000 min loan
No max loan

 4.79% 02875 KBTL2407 Apply
Load moreresidetlsdownarr

Revert rate: BBR + 3.25%
Bank of England Base Rate (BBR): 5.25%
Application fee: £145

View our product guide

And there’s more… take a look at our online criteria guide here.

Apply

Acceptable credit profile

*These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
  • All CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application

**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.

CCJs Defaults Secured arrears Unsecured arrears
0 in 36* 0 in 36* 0 in 12 Not counted**
Here to help, whatever the case

We know that every buy to let case is different and while some lenders may not be able to help, we see the potential. Our strength lies in our flexible, common-sense approach with a willingness to consider cases that fall outside of standard criteria.

We accept consumer buy to let applications.

We don’t require experienced landlords to have their own residential property.

We accept HMO applications for properties with up to six lettable rooms.

Loans available with just a 20% deposit to help aspiring landlords buy their first HMO.

We accept intercompany loans, shareholder deposits and director loans as deposits.

We don’t apply specific SIC code requirements and we accept newly formed SPVs and LLPs.

We don’t set limits on the size or value of existing portfolios held with other lenders.

There’s no limit on the number or value of properties mortgaged with us.

We’ll consider HMOs/MUFBs with up to 20 lettable rooms/units.

Applications with multiple flats or houses on a single freehold are accepted.

Investment valuations can be instructed on certain 5 and 6 bed HMOs.

Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

See moreresidownarrow

All mortgage products are subject to availability of funds and can be withdrawn at any time.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

Download the full mortgage terms and conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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