From your first enquiry to your first tenants, our Buy-to-Let purchase plans work in a similar way to a conventional mortgage.

Why finance your Buy-to-Let with us?

We provide a range of Buy-to-Let property finance solutions for UK residents, UK Expats, International residents and UK registered corporate entities looking to purchase or refinance residential investment property across England and Wales.

Our Buy-to-Let purchase plans offer you a Shariah-compliant alternative to a mainstream Buy-to-Let mortgage, with competitive rates and an ethical approach. You can use it just like a conventional mortgage to buy or refinance your property. We offer ’Acquisition and Rent’ products (the Shariah-compliant alternative to a conventional repayment mortgage) and ‘Rent Only’ products (the Shariah-compliant alternative to a conventional interest-only mortgage).

With a Buy-to-Let purchase plan you buy the property jointly with us - your deposit is your stake, and we fund the rest. Once all your payments are made (including any final lump sum payments for Rent Only applications), you acquire the property and the deed of the property transfers to you. You are free to sell the property any time (Early Redemption Charges may apply) and any profit made on the sale is retained by you.

Our Buy-to-Let services include:

  • Portfolios welcome – no limit on the number of properties
  • Finance available to individuals (employed, self-employed and contractors) and UK registered corporate entities which include Limited Companies, LLPs (Limited Liability Partnerships) and SPVs (Special Purpose Vehicles)
  • Day one refinances from cash and bridging purchases permitted
  • Finance available up to £5m as follows:
    • 80% of the property value or purchase price (whichever is the lower) up to £2m
    • 75% of the property value or purchase price (whichever is the lower) up to £3m
    • 70% of the property value or purchase price (whichever is the lower) up to £5m
    • For HMOs/MUFBs - 75% of the property value or purchase price (whichever is the lower) up to £3m and 70% up to £5m
    • If you require finance above £5m up to £10m, please contact a member of our team to discuss before proceeding
  • Finance is available over a maximum 30-year term for UK residents or 25-year term for UK Expats and International residents
  • Green Finance Products are available to both new and existing customers which carry a discounted rate of 0.10% off the standard product rate (terms apply, see eligibility below)
  • Finance available for Houses and Flats (including new build)
  • Finance permitted for HMOs (Houses in Multiple Occupation) and MUFBs (Multi-Unit Freehold Blocks) with no upper limit on rooms or flats. (Please note that HMO finance is not available to International residents)
  • Available to first time landlords where existing property ownership is not a requirement
  • Rental Top-up facility available to UK residents, UK Expats, and International residents (This is where your personal income may also be taken into consideration when assessing affordability for Buy-to-Let finance. Please contact us for more information)
  • Please note, leasehold properties may be subject to the Building Safety Act 2022. You may wish to discuss with your solicitor for further information.

Am I eligible?

You can apply for Buy-to-Let finance if you meet these criteria:

  • Buying or refinancing property in England or Wales.
  • Seeking finance of at least £75,000 and up to £5m. If you require finance above £5m up to £10m, please contact a member of our team to discuss before proceeding
  • Minimum age 21 years; no maximum age limit at end of finance term (terms apply)
  • Green Finance Products are available to customers where properties have an EPC rating of A or B. More information can be found here
  • At least one applicant must earn a minimum of £18,000 per annum
  • Applications for Portfolios, HMOs and MUFBs are welcome from applicants who have either 2 years letting and financing experience as a standard Buy-to-Let landlord or 1 year as an HMO landlord
  • All applicants must be able to read, speak and understand English to a level that they are fully aware of all obligations and requirements when entering any financing arrangement with the Bank
  • All properties must have a minimum Energy Performance Certificate (EPC) of E or above to be acceptable for finance. The energy rating will be determined during the property valuation.
  • We will consider finance applications from applicants residing in over 150 different countries. For more details see our Home Finance Applications - Countries Checklist.

Here to help

To help answer all your questions, we have a comprehensive FAQ section. We also have some handy calculators you might find useful, along with details of all our products. To help our customers we have a Homebuyer Guide which gives you an insight into each of the key steps when buying your property, and also a handy one-page Homebuyer Checklist which provides a summary of the key stages at a glance. More information about the key differences between Shariah-compliant and conventional property finance can be found here.

Next Steps

We have a team of experienced and qualified staff on hand to help you every step of the way. We only offer an execution-only (non-advised) service for our Buy-to-Let customers. The process usually takes 2-4 weeks from the initial application to an Offer of finance being issued, as long as you send us the documents we need promptly, and we get an acceptable property valuation. Then it’s usually another 12-16 weeks from receiving a signed Offer of finance to legal completion as long as all the right documents are submitted to the solicitors and satisfactory legal reports are received.

UK Residents (individuals with a single property) - Find out how much finance we could provide in around 10 minutes by completing an online Decision in Principle. We will provide you a personalised indication without impacting your credit score.

Get a Decision in Principle

Not yet ready for a Decision in Principle? Fill in our enquiry form here or give us a call.

For Portfolios, HMOs, MUFBs, UK registered corporate entities, UK Expats / International Residents – Simply get in touch by using our online enquiry form, or alternatively you can telephone us - find out the different ways to get in touch

Buy-to-Let purchase plans - the mortgage alternative for landlords

All products

Our Calculators are here to help

Buy-to-Let Affordability Calculator

Buy-to-Let Affordability Calculator

Our calculator covers Buy-to-Let (BTL), Houses in Multiple Occupation (HMO) and Multi-Unit Freehold Blocks (MUFB).

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How much will it cost me?

How much will it cost me?

Find out how much your monthly payments could be.

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Rental Yield Calculator

Rental Yield Calculator

Find out what your gross and net rental yield could be on any single property or your entire portfolio.

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What our customers are saying about us

A balanced approach to banking

From financing your home to looking after your savings, we're proud to take a balanced, Shariah-compliant approach. But what does that mean?


These products fall outside the scope of regulation by the Financial Conduct Authority. Property values might increase or decrease and might not provide adequate income to cover your finance payments and associated costs.

YOUR RENTAL PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR BUY TO LET PURCHASE PLAN.