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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
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.
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.
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.
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.
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.
Existing customers
Existing Halifax buy to let customers can apply to switch to a new deal or borrow more.
Landlord insurance
Protect your property, rental income and lots more.