Buy to let mortgage | Royal Bank of Scotland

Couple looking at buy to let mortgages

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

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


Royal Bank mortgages are available for over 18s


How to find a buy to let mortgage

We have two tools to help you, depending which stage you're at...

Quickly view our products & rates

Quickly search for relevant mortgage products and what their monthly cost would be.

✔ Easily view our mortgage rates in as little as a minute

✔ Get a quick indication of the cost of monthly repayments

Having viewed our products, you can proceed to find how much we might lend with an Agreement in Principle

Mortgage rate finder

Understand how much we could lend to you

This puts you in an ideal place to begin searching for a property with confidence.

Personalised lending indication in about 5-15 mins

✔ No impact on your credit file

After getting a result, you can then proceed to see our mortgages, select one and apply for it

Get an Agreement in Principle

How to apply for a buy to let mortgage

  • Eligibility

  • Ways to apply


Can I apply for a buy to let mortgage?...


The following criteria applies for Royal Bank of Scotland 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

 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


You cannot apply for a buy to let mortgage with us if you do not meet the above criteria.
Please note, we cannot offer mortgage where the household will have or has multiple occupants, or multiple tenancies.

Ways to apply

Ways to apply

Buy to let Mortgages are a non advised product
This means we will not recommend a particular mortgage for you. However, based on your answers to some questions, we can give you information about our mortgage products so that you can make the final decision yourself.


Online, we won’t be able to answer any questions you may have about our mortgages or your application.

Our Mortgage rate finder and Agreement in Principle tools allow you to quickly see our mortgage products, monthly costs and how much you might be able to borrow, at home, where the information we need is easily accessible.

Interest Only or Capital & Interest mortgages are available online. If you want a 'part capital & interest, part interest only' mortgage, please speak to us by phone or in branch.

Apply online

By phone or in branch

We’ll talk you through the process and arrange an appointment with someone in our mortgage team, on the phone or in a branch.

Your appointment will take around 2 hours.

To save your time, have a quick look at our how much a month our mortgages might cost or completing an Agreement in Principle online in around 15 minutes to see how much we might be able to lend you, before speaking to us.

Apply by phone or in branch
Call us, or we can call you...
Or arrange a free call back

Opening hours: 
Mon-Fri 8am-8pm, Sat - Sun 9am-4pm
Excluding public holidays.
Calls may be recorded.

Customers with hearing and speech impairments can contact us by using

Minicom number 0800 027 1396

Ready to compare our rates?
Mortgage rate finder

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

Set Tab for lightbox