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Buy To Let Mortgage

Prime Your Property Portfolio

Unlock Gibraltar's Rental Market

  • Only available on residential property. 
  • Maximum Loan-to-Value of up to *75% and over a maximum term of 20 years.  
  • On a case-by-case basis we can consider applications for interest only mortgage loans from professional property investors for up to 5 years and for amounts up to 60% of loan to value. 

Rates and charges

The interest rate is variable, tied to the Bank of England Base Rate, impacting your repayments.

An arrangement fee of 1% applies at drawdown, with an additional £500 administration fee for unscheduled repayments; early repayment incurs no penalty.

Bank legal costs and valuation fees vary based on mortgage and property value, with estimates provided upon request and loan approval.

Please bear in mind that you will have your own legal costs and expenses (e.g. taxes) to meet in respect of your purchase of the property.

Suitable property insurance will be a condition of the mortgage. This is not arranged by the Bank and is your sole responsibility.

Illustrative Example

Below is an illustrative example of the costs associated with a Buy-to-Let mortgage of £300,000. Based upon a property value of £400,000 and Bank of England Base Rate plus a typical interest rate spread of 3.5%.

Please note overall rate subject to change in line with Bank of England Base Rate.

Mortgage type Capital and interest (Amortising loan)
Max. loan to value 75%
Amount borrowed £300,000
Term 20 Years
No. of Monthly instalments 240
Other costs
- Arrangement fee
- Valuation fee
- Legal fee

Borrowing rate 3.5%
(plus Base Rate)
APRC 8.6%
Initial payment £2,509.32
Total cost of credit  £307,356.80
Total amount repayable £607,356.80
Security required Property

Considering buying an investment property?

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Key stages in the process

Your mortgage process doesn't have to be complicated, our easy to follow illustrations are here to guide you on the steps.


Ability to repay

Based on your overall financial circumstances, we will then calculate the mortgage cost and assess whether or not you can afford to repay the mortgage. 

The property may be repossessed if you do not keep up the repayments on your mortgage.  

*Please note that the LTV offered could be lower and will depend on your circumstances, including overall wealth, current property portfolio, experience in managing property portfolios and your country of residency.

Payment difficulties?

we understand that circumstances can change and if they do, you can come and talk to us. Our goal is to understand and resolve any payment difficulties you may experience.