First Time Landlords
Supporting your clients on their first Buy to Let journey.
Whether your client is investing in property for the first time or converting a residential home into a rental, we’re here to support new landlords with clear criteria and flexible affordability options.
Who qualifies as a First Time Landlord?
We define a First Time Landlord as an individual (or at least one applicant in a joint application) who:
- Has no prior experience owning a Buy to Let property, and
- Is currently an owner occupier of a residential property as the time of application.
We welcome applications from First Time Landlords, provided they meet the relevant Buy to Let lending criteria.
Key features:
- Available for purchase and remortgage applications
- Up to 75% Loan to Value (LTV)
- Maximum individual loan of £750,000
- Maximum portfolio size of 3 mortgaged Buy to Let properties per applicant across all lenders, including Bank of Ireland Group
- Property must have a valid Energy Performance Certificate (EPC) rated A-E (or A-D in Scotland).
Next steps?
Explore our full Buy to Let lending criteria
to check your client's suitability for our products
Search our Buy to Let products
to see our current rates for our Buy to Let ranges