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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

Contact us about mortgages

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 help you need.

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Do you have a mortgage with NatWest International?
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How can we help you?
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Where is the property located?
Please tell us the location where you are looking at properties.
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Speak to the mortgage team in Jersey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

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Speak to the mortgage team in Guernsey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Isle of Man

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Gibraltar

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back with our mortgage team

 

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Previous

Speak to us about a UK mortgage

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on 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 in Jersey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Guernsey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Isle of Man

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Gibraltar

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back with our mortgage team

 

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Previous

Speak to us about a UK mortgage

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on 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 in Jersey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Guernsey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Isle of Man

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Gibraltar

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back with our mortgage team

 

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Previous

Speak to us about a UK mortgage

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on 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 in Jersey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Guernsey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Isle of Man

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Gibraltar

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back with our mortgage team

 

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Previous

Speak to us about a UK mortgage

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on 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 in Jersey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Guernsey

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Isle of Man

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Speak to the mortgage team in Gibraltar

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back with our mortgage team

 

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Previous

Speak to us about a UK mortgage

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on 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 mortgage calculator or speak to us

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

 

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Use our mortgage calculator or speak to us

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

 

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Use our mortgage calculator or speak to us

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

 

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Previous

Use our mortgage calculator or speak to us

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

 

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call

Arrange a call back with our mortgage team

 

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Previous

Speak to us about a UK mortgage

How to request a call back

Choose a date and time that works for you, share your contact details, and our mortgage team will give you a call.

Arrange a call back

 

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on bank holidays. Calls may be recorded.

Previous