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For the use of mortgage intermediaries & other professionals only

Find out more about our new dedicated Portfolio Landlord team.

Guiding your Clients through Buy To Let

Buy to Let (BTL) mortgages have been popular in the UK for a number of years. However, they are more complex than standard home loans and consequently there are many more considerations for buyers.

As a major provider of BTL mortgages, we have a responsibility to ensure that our BTL mortgage customers — your clients — fully understand their responsibilities, the risks and any costs associated with this type of property investment.

We also recognise that BTL investors; your clients; are facing more and more regulation, which can often be very confusing.

For specific information regarding the portfolio landlord regulation and criteria, please visit our portfolio landlord page.

We've designed this microsite to help you educate your clients in these areas and to help them make key decisions about their own BTL ambitions.

From buying and maintaining the property, finding a tenant and collecting rent, to paying tax on the annual profits or when the property is sold - your BTL clients have a lot to think about.

When it comes to legal and regulatory responsibilities, many of the procedures that BTL landlords must follow will help to protect them as well as their tenants.

For the use of mortgage intermediaries & other professionals only

If you do not have professional experience, you should not rely on the information contained on this site. If you are a professional and you reproduce any part of the information contained on this site, to be used with or to advise private clients, you must ensure it conforms to the Financial Conduct Authority's advising and selling rules. These pages are for the use of those people who are resident and ordinarily resident in the UK and should not be regarded as an offer or invitation to sell Mortgage products in any jurisdiction other than the UK.

Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office; The Mound, Edinburgh, EH1 1YZ

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