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 your monthly costs and ways to apply

Mortgage rate finder

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.

Mortgage rate finder

Compare monthly repayments with different mortgage deals and interest rates.

It's a great place to understand the potential costs of a Buy to let mortgage or review your current deal against an RBS mortgage.

Mortgage rate finder



Ready to apply?

You can apply by speaking to one of our advisers over the phone or in a branch.


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

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