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UK buy-to-let mortgages

Get help with mortgages for rental properties in the UK.

Looking for a mortgage to buy UK rental property?

Buy-to-let mortgages allow you to invest in the property market by purchasing homes in the UK to rent to tenants.

If you're looking to buy or refinance a buy-to-let property, HSBC Expat capital repayment or interest-only mortgages could be the answer. We can also refer you to HSBC UK, which offers additional buy-to-let mortgages for UK properties.

Why take out a home loan with us?

  • Capital repayment or interest only
    Choose whether to pay off the loan and interest each month or just the interest.
  • Flexible repayment terms
    No charge if you make overpayments or repay your loan early.
  • Tracker interest rate
    Set at an agreed percentage above the Bank of England base rate for the term of the loan.

Rate information

Rates
Loan to value (LTV) Maximum loan size Tracker rate[@trackerrate]
Variable rate[@variablerate] Annual percentage rate (APR)[@mortgageapr]
Up to 60% LTV GBP 2,000,000 2.49%
5.99% 6.18%
Up to 75% LTV
GBP 1,000,000 2.99%
6.49% 6.72%
Rates
Loan to value (LTV) Up to 60% LTV
Maximum loan size GBP 2,000,000
Tracker rate[@trackerrate]
2.49%
Variable rate[@variablerate] 5.99%
Annual percentage rate (APR)[@mortgageapr]
6.18%
Loan to value (LTV) Up to 75% LTV
Maximum loan size GBP 1,000,000
Tracker rate[@trackerrate]
2.99%
Variable rate[@variablerate] 6.49%
Annual percentage rate (APR)[@mortgageapr]
6.72%
Representative example

Loan amount

LTV Repayment term Representative interest rate Monthly repayments Total amount to repay (capital repayment)
GBP 500,000 70% 20 years (240 months) 6.49% (2.99% over the Bank of England base rate of 3.5%)[@quotedrate]

GBP 3,727 a month for capital repayment
 

GBP 2,706 a month for interest only

GBP 896,441.07
Representative example

Loan amount

GBP 500,000
LTV 70%
Repayment term 20 years (240 months)
Representative interest rate 6.49% (2.99% over the Bank of England base rate of 3.5%)[@quotedrate]
Monthly repayments

GBP 3,727 a month for capital repayment
 

GBP 2,706 a month for interest only

Total amount to repay (capital repayment) GBP 896,441.07

Things to know

Who can apply?

We're unable to provide mortgages to residents in all countries.

Applications are subject to confirmation that you meet borrower eligibility criteria and depending upon your country of residence, individual circumstances and your requirements.

Ready to apply?

Already with Expat?

Find out if you're eligible to apply by using our enquiry form. Submitting this form will complete the first part of your application and provide a Decision In Principle.

New to Expat?

You'll need to open an Expat Bank Account to benefit from our international mortgage services, including support with buying a buy-to-let property in the UK.

You might be interested in

 

Find out how we can help expats get a mortgage for UK properties.

 

Find out how you can fund a property in another country or territory.

 

Explore ideal home loans and buy-to-let mortgages for expats.

Additional information

    All mortgages are subject to status and eligibility criteria.

    Your property may be repossessed if you do not keep up repayments on your mortgage.

    You should always think carefully before purchasing a buy-to-let property. The value of a property is a matter of opinion and not a matter of fact, not all properties will grow in value or provide sufficient income to cover all your associated costs. You will be responsible for your costs even if you do not have a tenant. Property can also be difficult to sell and you may not be able to sell quickly if you need to do so.

    Mortgages on UK properties may not be available to residents of all countries.


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