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.

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, you acquire the property and the deed of the property transfers to you. You are free to sell the property any time, and there are no early payment charges.

Our Buy-to-Let services include:

  • Portfolios welcome – no limit on the number of properties (maximum finance £5m)
  • 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
  • Green Finance Products are available to both new and existing UK resident customers which carry a discounted rate of 0.1% 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
  • Finance provided up to 80% of the property value up to £2m, up to 75% between £2-3m, and up to 70% of the property value between £3-5m, over a maximum 30-year term for UK residents or 25-year term for UK Expats and International residents
  • Personal income can be used for rental top ups where a shortfall exists (terms apply; not available to International residents)
  • No early payment charges on any product

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
  • Minimum age 21 years; no maximum age limit at end of finance term (terms apply)
  • Green Finance Products are available to UK residents only for finance products under £500k where properties have an EPC rating of A or B. More information can be found here
  • We do not have any minimum income requirement for self-funding BTLs unless a ‘rental top-up’ facility from personal income is required, or you are a first-time buyer or first-time landlord. Where applicable, we will require proof of income (minimum £15,000 from one applicant) to meet our requirements
  • Applications for BTL Portfolios, HMOs and MUFBs are welcome from applicants who have either 2 years letting and financing experience as a standard BTL 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
  • 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. Links to these pages can also be found below.

***New Customer Enquiries***

Unfortunately, due to an unprecedented level of demand for our home finance products and to help manage our service levels for existing customers, we are currently unable to accept new home finance enquiries, provide Decision in Principles or accept new applications. We sincerely apologise for any inconvenience this may cause you. We are working hard to be able to reintroduce our product range and we will update our website as soon as we are in a position to do so.

***Existing applications already submitted***

If you have already submitted an application for Home Finance and require an update on the progress of your case please call 08000 353 050 (Mon-Fri 9am-5pm). Please note that staff on this number are not able to discuss new business enquiries.

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.