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Royal Bank Of Scotland Buy To Let Mortgage - Call FREE 0800 096 7962

1.95% 2 Year Fixed

  • Overall cost for comparison 4.40% APRC

Representative Example:Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to NatWest variable rate of 3.75%.

Call NatWest on 0800 056 8572

1.88% 2 Year Tracker

  • Overall cost for comparison 4.10% APRC

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Tracker rate reverts to RBS variable rate of 3.75% after 2 years.

Call RBS on 0800 096 7962

Call RBS Buy To Let Mortgages FREE on 0800 096 7962

Contact RBS direct or if you would like independent advice on your buy to let mortgage options we can help. As well as working with RBS we have access to mortgage lenders across the UK market.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.84%
Rate type: Fixed Feb-2020
Monthly cost: £503.45 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.6% APRC
Royal Bank Of Scotland logo 1.84% Fixed Feb-2020 3.6% APRC 60% £1273.00 £503.45 per month get quotes Call direct0800 096 7962
Initial rate: 1.84%
Rate type: Fixed Feb-2020
Monthly cost: £503.45 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.6% APRC
Royal Bank Of Scotland logo 1.84% Fixed Feb-2020 3.6% APRC 60% £1273.00 £503.45 per month get quotes Call direct0800 096 7962
Initial rate: 2.13%
Rate type: Tracker Feb-2020
Monthly cost: £522.43 per month
Max LTV: 60%
Product fee: £2273.00
Overall cost for comparison: 3.8% APRC
Royal Bank Of Scotland logo 2.13% Tracker Feb-2020 3.8% APRC 60% £2273.00 £522.43 per month get quotes Call direct0800 096 7962
Initial rate: 2.13%
Rate type: Tracker Feb-2020
Monthly cost: £522.43 per month
Max LTV: 60%
Product fee: £2273.00
Overall cost for comparison: 4% APRC
Royal Bank Of Scotland logo 2.13% Tracker Feb-2020 4% APRC 60% £2273.00 £522.43 per month get quotes Call direct0800 096 7962
Initial rate: 2.22%
Rate type: Fixed Feb-2020
Monthly cost: £516.52 per month
Max LTV: 60%
Product fee: £278.00
Overall cost for comparison: 3.6% APRC
Royal Bank Of Scotland logo 2.22% Fixed Feb-2020 3.6% APRC 60% £278.00 £516.52 per month get quotes Call direct0800 096 7962
Initial rate: 2.22%
Rate type: Fixed Feb-2020
Monthly cost: £516.52 per month
Max LTV: 60%
Product fee: £278.00
Overall cost for comparison: 3.6% APRC
Royal Bank Of Scotland logo 2.22% Fixed Feb-2020 3.6% APRC 60% £278.00 £516.52 per month get quotes Call direct0800 096 7962
Initial rate: 2.4%
Rate type: Fixed Feb-2023
Monthly cost: £530.43 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.4% APRC
Royal Bank Of Scotland logo 2.4% Fixed Feb-2023 3.4% APRC 60% £1273.00 £530.43 per month get quotes Call direct0800 096 7962
Initial rate: 2.4%
Rate type: Fixed Feb-2023
Monthly cost: £530.43 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.4% APRC
Royal Bank Of Scotland logo 2.4% Fixed Feb-2023 3.4% APRC 60% £1273.00 £530.43 per month get quotes Call direct0800 096 7962
Initial rate: 2.88%
Rate type: Fixed Feb-2023
Monthly cost: £548.77 per month
Max LTV: 60%
Product fee: £278.00
Overall cost for comparison: 3.5% APRC
Royal Bank Of Scotland logo 2.88% Fixed Feb-2023 3.5% APRC 60% £278.00 £548.77 per month get quotes Call direct0800 096 7962
Initial rate: 2.88%
Rate type: Fixed Feb-2023
Monthly cost: £548.77 per month
Max LTV: 60%
Product fee: £278.00
Overall cost for comparison: 3.5% APRC
Royal Bank Of Scotland logo 2.88% Fixed Feb-2023 3.5% APRC 60% £278.00 £548.77 per month get quotes Call direct0800 096 7962
12

Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Royal Bank Of Scotland Buy To Let Mortgage

Compare Royal Bank Of Scotland Buy to Let Mortgage Rates

Buy To Let Mortgage Service

Fair Mortgages can provide you with a first class service if you are looking for the best buy to let mortgage deal for your circumstances, alternatively you may wish to deal with RBS direct - You can call them direct on 0800 096 7962.

Our independent buy to let service offers:

  • Whole of market broker - we deal with most UK buy to let lenders including Royal Bank Of Scotland
  • Access to leading buy to let market rates
  • Expert help whether you are a first time investor or full time landlord
  • We have lenders who will take into account previous defaults and missed payments 
  • Complex buy to let or have a portfolio of 5+ properties? - speak to us

To investigate your buy to let mortgage options including Royal Bank Of Scotland call our specialist team on 0117  403 4222 or fill in our call back form. 

Compare Royal Bank Of Scotland buy to let mortgages

Royal Bank Of Scotland Buy To Let Mortgage

Founded in 1727, the Royal Bank of Scotland offers a range of buy to let mortgage options.

RBS offer a selection of Tracker and Fixed Rate options at varying levels of maximum loan to value. 

No matter if you are already a landlord or you are looking into purchasing your first investment property, you could benefit from enlisting the services of an independent mortgage adviser to help you find the right product. Not only can an independent adviser offer you impartial advice throughout the buy to let mortgage process, but one that offers a whole of market service can use their professional expertise to find that could present you with the best deal for your specific circumstances.

There are also a selection of lenders who have a range of mortgages that can only be accessed via a professional intermediary. 

If you think Fair Mortgages might be able to help you, you can fill in our online contact form to request a call back from one of our mortgage advisers and receive a free initial consultation. Alternatively, you can call us directly on 0117 403 4222 

Getting a buy to let mortgage

While you may be familiar with residential mortgages, if you have never had a buy to let mortgage before there are a few key differences from other home finance you may have had previously.

Deposit – While home buyer mortgages can commonly be secured with relatively small deposits, buy to let lenders tend to require borrowers to be able to put down a deposit of at least 25%. However, there are products available for lower deposits. As with all types of finance, the larger the deposit you can afford to put down the cheaper your mortgage repayments will be.

Affordability – Unlike homebuyer mortgages where the affordability is usually based upon a multiple of your annual income, buy to let lenders normally base affordability on the rental valuation of the property. As a general rule, lenders require the rental yield to be at least 145% of what your monthly mortgage payment would be.

Other factors

While affordability is calculated on the rental potential of the property, lenders may still have a requirement for the minimum income and also require applicants to already be homeowners. 

From 2017, lenders will implement a strict income stress test to make sure all the landlords they provide buy to let mortgages to can afford the monthly repayments. In order to identify suitable applicants for their buy to let mortgages, during the application process, lenders will analyse landlords' income with more scrutiny than before. To satisfy the lenders' income stress test, landlords will need to show that they can afford mortgage payments in the event the interest rate increases to 5.5%.

For landlords with multiple properties, lenders will review a landlord's entire property portfolio to make sure every property is profitable. If a lender finds that one or more of a landlord's properties are not profitable then a buy to let mortgage will not be provided. It should be noted that landlords can no longer spread equity across their portfolio to account for a property that does not provide positive returns.

They may also stipulate the minimum age that an applicant can be, as well as the maximum age that an applicant can be by the end of the mortgage term. These stipulations can vary considerably between providers, so it is worth shopping around to try and find a product that fits your circumstances. 

Speak to our specialist team on 0117 403 4222 to help you find the right mortgage option for you.

Royal Bank Of Scotland buy to let mortgages

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For independent buy to let mortgage advice call us or request a callback

Call us for a FREE initial conversation on 0117 403 4222 about your buy to let mortgage options or request a callback.

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