Welcome to our new website:

explore how we've made it better and simpler for you. Read about the changes to our website

Becoming a landlord

There are two ways that you can seek to make a return on your Buy to Let investment:

Rental income depends on factors like the size, condition and location of your property. The quickest way to get an idea of your property’s potential income is to contact a local estate agent for an estimate, just as you would if you were selling a house.

Capital growth, this term is commonly used to describe the change in a property’s value over time.

Just like with all property purchase decisions, you need to have calculated your likely incomings and outgoings. Remember, that whatever you earn in income, will have to cover maintenance, repairs, management fees, any mortgage payments on the property, and empty periods in between tenants.

Becoming a landlord can be financially rewarding, but make sure you understand your costs and obligations before you change your day job.


If you’re thinking of Buy to Let as a possible way to generate your main income. We have a dedicated page to help with this.

Features and benefits

  • You can borrow up to 75% of the property value (Loan To Value).

  • A range of capital repayment and interest only mortgages available.

  • We have deal periods ranging from 2 to 10 years, with and without fees.

  • Benefits include free valuations, free standard legals and cashback, depending on the product selected. Conditions apply.

  • There is no limit to how many properties you can purchase.

  • You will have a dedicated, expert team to support you through your application.

To apply for a Buy to Let mortgage

You need to:

  • be over 21 years old.
  • be a UK resident with at least 3 years of UK address history.
  • buy a property in England, Wales or mainland Scotland.
  • be borrowing over £25,000.

Ways to apply

Call us

Call our expert Buy to Let team to discuss your options:

Monday to Friday, 8am to 6pm.
Saturday 8:30am to 4pm.
Closed Sundays and bank holidays.

UK: 03457 30 20 10


Our Buy to Let mortgages are provided through The Mortgage Works, our specialist lending business. Mortgages from The Mortgage Works do not qualify you for Nationwide membership.

The Mortgage Works (UK) plc is a wholly owned subsidiary of Nationwide Building Society and is authorised and regulated by the Financial Conduct Authority under registration number 189623. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Registered Office: Nationwide House, Pipers Way, Swindon SN38 1NW. Registered in England. Company Registration Number 2222856.


Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage. Mortgages are subject to underwriting and criteria. Minimum age 21, UK residents only.