Faith House
23-24 Lovat Lane
London EC3R 8EB

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Home  About Us Loans & Mortgages Personal Banking Business Banking Bank Services i-bank Service Information

Buy-to-let Mortgages

Currently 4.25%

A Buy to Let mortgage product is for those wishing to remortgage or purchase a new property to rent out. There are lots of things to consider when looking to purchase an investment property, and the criteria for lending are different to residential purchases.


Features & Benefits

  • We do not lend more than 70% of market valuation or cost, whichever is the lower, on buy to let properties
  • We require rental income to cover repayments (including capital and interest) by a minimum factor of 125%
  • Minimum Loan of £50,000
  • Each year you have the option of making an overpayment up to 10% of the outstanding balance (min £1000). The cost of this is a 2% fee of the capital reduction.
  • In the event of the mortgage being repaid in full within the first 12 months, an early repayment charge of £500 is applied.
  • The interest rate applicable on our Buy to Let mortgages is 0.50% above our Home Mortgage Variable rate currently 3.75%.
  • Overall cost for comparison 4.4% APRC
  • We require copies of 3 years of accounts and/or tax returns relating to the applicant's investment properties.
  • We require copies of all tenancy agreements, which must be by way of assured shorthold
  • We require evidence of rental income receipt for existing buy to let properties
  • There is an Arrangement Fee of 0.5% of the loan required (minimum £500) for all Buy to Let mortgages
  • The professional valuation we require is at the expense of the applicant and must be a standard valuation for bank security purposes from an A.R.I.C.S or F.R.I.C.S. qualified valuer approved by Reliance Bank
For further information and guidance on choosing a Buy to Let mortgage, please view

Documents can be viewed using Adobe Reader


Document Name

File Size (KB)

Buy to Let Application Form

557 KB

Buy-to-Let Property Details & Borrowing Requirements

370 KB

Mortgage Terms & Conditions

323 KB

Proving Your Identity Brochure

133 KB


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Reliance Bank Limited. All rights reserved.
Reliance Bank Limited, Faith House, 23-24 Lovat Lane, London EC3R 8EB. Telephone: 020 7398 5400 Fax:  020 7398 5401
Reliance Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England. Registration no. 68835.
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