How we can help with your Buy to let mortgage
How we can help depends on what sort of mortgage you already have.
You’re interested in a Santander Buy to let mortgage but don’t already have one
Your Santander Buy to let mortgage deal is ending soon and you want to know your options
You have an existing Santander residential mortgage that’s let or you’d like to let
I don't have a Santander Mortgage and I want to get a Buy to let mortgage
Our BTL mortgages are only available to new customers from a Broker.
A ‘mortgage broker’ will assess available mortgages and tell you which is the most suitable.
They can help you decide if BTL is right for you. Please speak to a mortgage broker for advice.
Things to remember before you start:
- £25,000 minimum income for at least one applicant.
- max LTV of 75%
- minimum age – 21 years old
- maximum age – 85 years old
We do not offer additional loans on BTL mortgages.
Changing my existing Buy to let mortgage
If your Santander Buy to let mortgage is coming to an end you can change your deal online or over the phone. Our rates are the same.
You can change your deal if you’re:
- within 4 months of the existing deal coming to an end, or
- on a mortgage product without an early repayment charge, or
- on our Standard Variable Rate or Follow-on Rate
We do not offer additional loans on BTL mortgages.
See the change your mortgage page for full details on how to change your deal
Letting your existing residential property
Whether you’re thinking about letting your home or you already are, from 1 May 2026, the Renters' Rights Act changes how rental properties are managed and how tenancies work. It’s important to stay up to date with these new requirements so you can make sure you’re meeting your responsibilities as a landlord. Find out more on the government’s renting is changing page.
Other things to consider for landlords
Renters’ Rights Act
From 1 May 2026, the Renters’ Rights Act changes how rental properties are managed and how tenancies work. It’s important to stay up to date with these new requirements so you can make sure you’re meeting your ongoing responsibilities as a landlord. Find out more on the government’s renting is changing page.
Portfolio landlords
If you have 4 or more mortgaged Buy to let properties, you’re a portfolio landlord. You’ll be able to switch to a new product once your existing deal ends (subject to standard criteria), but we won’t be able to offer you a Buy to let mortgage on a new property.
Landlord responsibilities and paying tax
Find out about your responsibilities as a landlord on the government's renting out a property page. For tax and national insurance on rental income, take a look at the paying tax section on the government website.
Energy Performance Certificate
An Energy Performance Certificate (EPC) gives information about a property’s energy use and typical energy costs.
Buy to let properties in England and Wales are required to have a rating of ‘E’ or above, unless they are exempt from the regulation. For more information on exemptions visit the government guidance on energy efficiency standards
You can check if your Buy to let property has a valid certificate by using the services below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Applications are subject to status and lending criteria. Applicants must be UK residents aged 21 or over.
Landlord Insurance
- Landlord insurance gives you the protection you need when you let your property to tenants
We're pleased to introduce you to AXA, who offer landlord insurance that you can tailor to meet your needs. AXA isn’t part of the Santander group. Landlord Insurance policies are arranged, underwritten and administered by AXA Insurance UK plc.