Portfolio Buy To Let Mortgages

Free legal and valuation fees
Our buy-to-let remortgage deals come with a free basic valuation and standard legal costs included.
Terms to suit you
Fixed rate deals for 2,3,5,7, 10 and even 15 years.
Flexibility as standard
You can make overpayments of up to 10% per year without an Early Repayment Charge and take payment holidays subject to our agreement.
Our flexibility options.

And just so you know, we’ll always check that our mortgages are right for you before we make you an offer.

Don’t risk losing your property – keep up those mortgage repayments

Check you're mortgage ready

Stepping up your search? Take five minutes to see how much we could lend you, without affecting your credit score.

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How much can you borrow?

Starting out on your journey? Use our quick calculator to get an idea of how much you could borrow from us.

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Compare our mortgages

View our mortgages and find out how much your monthly payment could be.

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Our lending criteria

We define a portfolio landlord as someone with four or more mortgaged buy-to-let properties.

For joint applications, we'll take into account the total individual and joint-mortgaged properties that you own, either in your personal name, or in the name of a limited company or other legal entity.

Criteria	Purchase	Remortgage no additional borrowing	Remortgage with additional borrowing
Maximum of 5 BTL mortgages / £3m lending with Virgin Money	Yes	Yes	Yes
Minimum 24 months landlord experience required?	Yes	No	Yes
Maximum number of mortgaged BTL properties (across all lenders)	10	N/A	10
Maximum number of BTL properties within the same postcode	5	N/A	5
Maximum LTV across the portfolio (aggregate)	75%	N/A	75%
Minimum rental calculation of 135% ICR stressed at 5% across the portfolio (aggregate)	Yes	N/A	Yes
Personal income accepted?	Yes	No	Yes
Business plan, cashflow & property schedule required	Yes	No	Yes

Please note: our standard buy-to-let lending criteria also applies.

Our standard buy-to-let lending criteria explained

The rental income received on a buy-to-let property is a key factor when we calculate our maximum lending amount. Check out our mortgage calculator to find out how much we may be able to lend.

What we'll need from you

In addition to the normal documents you need to submit as part of your mortgage application, i.e. identity and income verification, we also need portfolio landlords to provide us with some supporting information.

Our mortgage advisors will explain what we need, when we need it and how to send it to us. You can download copies of these documents here:

Fancy a chat?

Our mortgage specialists are here to answer your questions, talk through your needs and help you apply.

New customers

Start your application

0333 331 4496

We're here from 8am to 6pm Monday to Friday and 9am to 1pm on Saturday.

Let us call you

Book a free callback for a time that suits you best.

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Got a quick question?

Let's chat online. Great for quick questions about our mortgages and how to apply.

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Existing mortgage customers

Contact details for existing customers

Phone us on

0330 127 4474

We're here from 9am to 5pm Monday to Friday.

Got a quick question?

Let's chat online. Great for quick questions about your existing mortgage.

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Call charges and information

Number	Cost
03 numbers	Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbers	Maximum of 7p per minute, plus your phone company's access charge.
087 numbers	Maximum of 13p per minute, plus your phone company's access charge.
0800 numbers	Free from UK landlines and personal mobile phones.

Tools and information

Mortgage calculators and tools

Mystified by mortgages? Our helpful calculators and tools can help you.

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Bank of England base rate changes

Information about changes to the base rate and how it may affect you.

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Tariff of mortgage charges

This same document is being used across the industry to help customers compare mortgages.

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