Buy to let mortgages

Looking for that buy to let? Or are you an existing Halifax buy to let customer and wanting to switch to a new deal or borrow more. We have a range of buy to let offers.

A quick overview of buy to let mortgages:

  • Long-term investment - finding that first property to rent out or expanding your rental property portfolio could be a worthwhile investment in the longer term, but it's not risk free.
  • Help to take the next steps - before you take the next step, we'll talk to you about the buy to let mortgages we offer and make sure you've all the information to get started.
  • Mortgage deals to suit your needs - we only offer deals that are self-financing. This means the income you generate from the property has to cover the mortgage repayments.
  • Keep in mind the costs and charges - it's wise to make sure the rent also covers insurance charges, general repair and upkeep of the property now and in the future.

We can only give you information about our range of mortgages. We can't help you decide if a buy to let is right for you as a longer-term investment.

You could lose your property if you don't keep up your mortgage repayments

New on the buy to let scene?

We're here to help. From risks and costs to landlord obligations, read our 5 steps to getting started with a buy to let mortgage.

Current rates

You can view our interest rates to find the best deal for you.

Current buy to let rates

Five steps to getting a buy to let mortgage

If you are looking to buy a property to rent out or add another investment to your property portfolio, there are lots of things to consider. Check out our five steps to getting started to put you on the right path to buy to let.

1. Can I apply for a Buy to Let mortgage?

There are a few things to consider before applying for a buy to let mortgage and these include:

  • Checking your eligibility to apply.
  • Finding out how much you could borrow.
  • Costs of buying, running and maintaining your buy to let property.

Eligibility and other important things to consider

2. Apply for an Agreement in Principle and finding the right property

Once you’re ready to view properties and put in an offer, you’ll find it helpful to get Agreement in Principle (AIP). Speak to one of our Mortgage and Protection Advisers.

To apply for an Agreement in Principle, you can contact us here.

Viewing properties and putting in an offer

3. Had an offer accepted? You're ready to start your mortgage application

Once you’ve had an offer accepted, you’re ready to start your mortgage application.

Ways to apply

4. Conveyancing and exchange of contracts

This is the legal side of buying and selling a property.

A licensed conveyancer will help you with this part of the buy to let purchase process.

Conveyancing and exchange of contracts

5. Landlord obligations and renting your property

Being a buy to let landlord comes with a fair number of obligations and responsibilities.

These include tenancy agreements, tenancy deposits, repair and maintenance and more.

Landlord obligations and renting your property

Start your application over the phone or in a branch

You'll need address details for the last 3 years, employment and income details for the last 18 months, plus any outstanding financial commitments.

You can speak to us over the phone or in a branch.


Contact us

Existing customers

Existing Halifax buy to let customers can apply to switch to a new deal or borrow more.

Switch to a new deal

Landlord insurance

Protect your property, rental income and lots more.

Landlord insurance