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Be the owner, buy to let

Buy to let mortgages

To apply you must be 18+ and resident in the Channel Islands, Isle of Man or Gibraltar.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Buy to let mortgages explained

If you’re a landlord, or looking into being a landlord, and you want to buy a property to rent it out then a buy to let (BTL) mortgage is for you.

Applying for this type of mortgage is a similar process to a residential mortgage application.

The buy to let process

1. Are you eligible and can you afford it?

We work out the amount you can borrow based on how much rent the property can achieve against the cost of the mortgage. These are our terms:

  • A minimum deposit amount that you can confirm using our mortgage calculator
  • The property to be worth at least £150,000
  • Your borrowing to be less than £3.5 million
  • The maximum number of buy to let / investment properties a customer can own, whether mortgaged or unencumbered, is 10 properties.

2. What are your responsibilities as a potential landlord?

You will need to understand technical terms as owners of the property like contracts for tenants, deposit protection and certificates for gas and electricity. These are all required terms to comprehend as landlords and will vary from the Channel Islands, to the Isle of Man and Gibraltar.

Buy to let mortgage options

We have a range of buy to let mortgages that allow you to choose between paying off either capital and interest, or interest only. These options also include either fixed rate or tracker mortgages, with a variety of different terms and interest rates.

For properties in the Channel Islands, Isle of Man or Gibraltar.

Use our mortgage calculator Open in new window

Mortgage help and support

Take advantage of our mortgage resources which are here to help you better understand the process, the terms, and our available products.

First time buyer guide

A guide to help you understand the key steps to buying a home.
Guide to buying a home

Jargon buster

Key terms and phrases you might come across.
Jargon buster

Common questions

Our most frequently asked questions about mortgages.
Common questions

Appointment checklist

Here's what you'll need to bring to your mortgage appointment.
Appointment checklist

Get in touch with our mortgage team

There's a few ways of getting in touch with us. To start, we'll run through some quick questions to make sure that you get the local help you need.

Continue
Do you already have a mortgage with us?
Please tell us if you already have a NatWest International mortgage.
Previous
Next
What can we help you with today?
Please tell us the nature of your mortgage query.
Previous
Next
Where is the property located?
Please tell us the location where you are looking at properties.
Previous
Next

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the international mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call the international mortgage team

Call us to speak to a member of our international mortgage team.

  • Dedicated broker line: +44 1624 632444
  • Existing mortgage borrowers: +44 1624 632323
  • New borrowers (Buy to Let only): +44 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous
Where is the property located?
Please tell us where your mortgaged property is located.
Previous
Next

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the international mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call the international mortgage team

Call us to speak to a member of our international mortgage team.

  • Dedicated broker line: +44 1624 632444
  • Existing mortgage borrowers: +44 1624 632323
  • New borrowers (Buy to Let only): +44 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous
Where is the property located?
Please tell us where your mortgaged property is located.
Previous
Next

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the international mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call the international mortgage team

Call us to speak to a member of our international mortgage team.

  • Dedicated broker line: +44 1624 632444
  • Existing mortgage borrowers: +44 1624 632323
  • New borrowers (Buy to Let only): +44 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Requesting a mortgage document or redemption quote

You can now use our simple online form to request a mortgage statement, tax certificate or redemption quotation.

Previous
Where is the property located?
Please tell us where your mortgaged property is located.
Previous
Next

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the international mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call the international mortgage team

Call us to speak to a member of our international mortgage team.

  • Dedicated broker line: +44 1624 632444
  • Existing mortgage borrowers: +44 1624 632323
  • New borrowers (Buy to Let only): +44 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous
What can we help you with today?
Please tell us the nature of your mortgage query.
Previous
Next
Where is the property located?
Please tell us the location where you are looking at properties.
Previous
Next

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the international mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call the international mortgage team

Call us to speak to a member of our international mortgage team.

  • Dedicated broker line: +44 1624 632444
  • Existing mortgage borrowers: +44 1624 632323
  • New borrowers (Buy to Let only): +44 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous
Where is the property located?
Please tell us the location where you are looking at properties.
Previous
Next

Use our online mortgage calculator or speak to the mortgage team

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator


Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Use our online mortgage calculator or speak to the mortgage team

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator


Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Use our online mortgage calculator or speak to the mortgage team

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator


Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Use our online mortgage calculator or speak to the mortgage team

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator


Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call us

Speak to a member of our local mortgage team on:

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous

Speak to the international mortgage team

Request a call back

Select the date and time you want us to call you, enter your contact details and our mortgage team will be in touch.

Arrange a call back

 

Call the international mortgage team

Call us to speak to a member of our international mortgage team.

  • Dedicated broker line: +44 1624 632444
  • Existing mortgage borrowers: +44 1624 632323
  • New borrowers (Buy to Let only): +44 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.

Previous