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

Buy-to-let Mortgages

Currently 4.50% - with effect from 1 February 2019

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 4.00%.

  • 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 www.cml.org.uk/cml/consumers

Documents can be viewed using Adobe Reader


Document Name

File Size (KB)

Buy to Let Application Form

642 KB

Buy-to-Let Property Details & Borrowing Requirements

370 KB

Mortgage Terms & Conditions

407 KB

Proving Your Identity Brochure

1334 KB


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Reliance Bank Limited. All rights reserved. Registered in England. Registration no. 68835.
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.
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