Buy to let mortgage | Royal Bank of Scotland

Person considering the costs of a buy to let property.

Buy to let Mortgages

Buying or Changing deal?

Find out how much you could borrow, your monthly costs and ways to apply

Agreement in Principle

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


Royal Bank mortgages are available for over 18s


Am I eligible for a Buy to let mortgage ?

The following criteria applies for Royal Bank Buy to let mortgage applications:

 You need to be a UK resident aged between 18 and 70

 You need at least a 25% deposit, or 35% for any new build houses or flats

 You must be borrowing at least £25,000 over a minimum of 3 years

 You must currently own no more than nine Buy to let properties, and your maximum borrowing amount cannot exceed £3.5 million

 The property you wish to purchase, or remortgage to us, must be habitable and worth at least £50,000 and no more than £500,000

You cannot apply for a Buy to let mortgage with us if you do not meet the above criteria.

Please note, we cannot offer a mortgage where the household will have or has multiple occupants, or  multiple tenancies.

Agreement in Principle


It's an indication of what we could lend to you.

In addition you can review potential monthly repayments and a get Mortgage Illustration.  

It is also the first step in applying for a Buy to let mortgage online.

Agreement in Principle

Eligibility Criteria 

Please review our eligibility criteria, below, to make sure we could support your application.

Ready to apply?


Online or by booking an appointment

You can apply online or book to speak to one of our advisers over the phone or in a branch. Whatever way suits you best.

Review the options, choose your route and get started today.

Ways to Apply
Add your signposting title here… Frequently Asked Questions

See what customers are asking us when looking for a Buy to let mortgage with the Royal Bank.

Ready to compare our rates?
Mortgage rate finder Agreement in Principle

We are a member of the Financial Services Compensation Scheme (FSCS). Further information is available here (650k PDF) or visit

Set Tab for lightbox