Buy to Let Mortgages - Mortgages | Ulster Bank

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Row of terrace houses

Buy to Let

Helping you buy a rental property

Your property may be repossessed if you do not keep up repayments on your mortgage.

 

Ulster Bank mortgages are available for over 18s.

Add your signposting title here… Coronavirus (COVID-19)

New mortgage applications

We are still accepting new mortgage applications but please be aware that due to coronavirus restrictions your application might take longer than normal to process (whether you apply online or over the phone). 

Due to current government guidelines we are only able to do valuations in-person in England. For properties anywhere else, or where social distancing isn’t possible, we will try to complete the valuation digitally. Where we can’t value the property, your application will be put on hold and will be completed as soon as possible.

Considering a buy to let property?

Whether you're just starting or expanding your rental portfolio the key to a successful buy to let investment is to plan your finances and choose the right property.

We have tools and calculators to help you plan and helpful guides to lead you through every step.

If you are ready to make a move you can show agents and sellers that you're a serious buyer with our Agreement in Principle letter.

Get in touch

Why choose us?

Flexible lending criteria means we don't just take your potential rental income into account - If you have other disposable income available we will include that in calculating how much we can lend

For BTL propositions, the maximum total aggregate mortgage lending with RBS brands is £3.5m (including residential mortgage exposure up to 10 properties as Portfolio Landlord)

Maximum term is 35 years for our capital and interest repayment investment mortgage  

 Maximum loan to value is 75%

 We're ready to meet you at your local branch, with the largest branch network in Northern Ireland, many of our branches are open Saturday mornings

 Request a callback and one of our mortgage advisers will contact you at a time that you request

Our Mortgage Advisers will help you to arrange a buy to let mortgage

About our mortgages

Fixed rate mortgages

Our fixed rate mortgages may make budgeting a little easier as the repayment amount is fixed for an initial term

Find out more

Eligibility criteria

Find out about our eligibility criteria including how much you could borrow and for how long

Find out more
Getting started is easy Tools and calculators

Use our mortgage calculators to find out how much you could borrow and find a mortgage to suit you. Also see you much you could save if you make an overpayment.

The Money Advice Service's monthly budget calculator can help you see how much you could trim your spending and start saving for your new home.

This link is to a non Ulster Bank website. Ulster Bank is not liable for the accuracy of the information provided on this website.

Buy to Let Helpful Guides
Couple in branch with mortgage adviser The buy to let process

From working out what you can afford to finding tenants

Man browsing on tablet Landlords Checklist

Keep track of your responsibilities with this handy checklist

Man looking at invoice Costs to consider when buying a rental property

Other costs you'll need to factor into your plans

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