Help, advice and information on Covid-19 for UK landlords

The Commercial Trust Covid-19 landlord hub shares information, resources and help for those managing rental property across the UK amidst the Coronavirus pandemic.

Click through on the links below for information specific to your enquiry today.

The current buy to let mortgage lender position

We are an independent, specialist broker of buy to let mortgages, commercial mortgages and bridging loans.

Our lenders are representative of the UK marketplace. In the buy to let arena we normally work with in excess of 80 UK lenders, both high street and specialist.

Can I still get a buy to let mortgage or remortgage?

Yes!

Currently, some fringe buy to let lenders have temporarily stopped taking new applications for buy to let mortgages, others have changed their lending criteria.

Can I still borrow at up to 85% loan to value?

No.

85% loan to value products have temporarily been taken off the market, this has happened previously and one lender did return at this LTV threshold, but they have again exited the market. Contact us for the latest position.

What is the maximum loan to value I can achieve, right now?

80% loan to value, subject to other criteria.

We need to know various information about you and your property before we can establish which product best suits your needs and circumstances, but at present there are still lenders accepting a 20% deposit on a buy to let mortgage.

Who do I speak to about mortgage payment holidays?

Contact your mortgage lender if you need to arrange a mortgage payment holiday or to discuss the options available to you.

Contact your mortgage lender

Tenants facing financial difficulties

If your tenants are facing financial challenges through loss of income, they may be eligible for Universal Credit. 

How to claim Universal Credit

Tenants asking for rent reductions / adhering to your mortgage contract

Practical information on what to do, what your obligations are and how you can navigate Covid-19

Tenant needs and your obligations

Tenants who have to move during Coronavirus

Wherever possible, tenants should not move properties during lockdown. If a move is essential the following may help:

Tenants moving during the lockdown

Buy to let mortgage lender contacts for Coronavirus enquiries

Below are links to buy to let mortgage lender website pages, which give information on mortgage payment holidays and other provisions, in light of the Coronavirus.

If your tenants are unable to pay their rent, because their ability to work has been compromised by Covid-19, or you want to investigate your options in case this becomes an issue, follow the links below or call you lender on the numbers provided.

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Lender: Website information on Covid-19 Telephone number:
Accord https://www.accordmortgages.com/ 0800 138 2402
Aldermore https://www.aldermore.co.uk/ 0333 003 3990
Axis https://www.axisbankuk.co.uk 0333 006 3680
Barclays https://www.barclays.co.uk/ 0333 202 7439
BM Solutions https://www.bmmortgages.co.uk/ 0345 300 2627
Bank of Ireland / Post Office https://www.bankofireland.com/ 01 611 3333
Bluestone https://www.bluestone.co.uk/ 0800 368 1834 for 7 digit account numbers beginning "200" or 0345 130 4386 for 9 digit account numbers beginning "10"
Cambridge Building Society https://www.cambridgebs.co.uk 0345 601 3344
Clydesdale Building Society https://secure.cbonline.co.uk 0800 121 4203
Cumberland Building Society https://www.cumberland.co.uk 01228 403 141
Dudley Building Society https://www.dudleybuildingsociety.co.uk 01384 231 414
Foundation Home Loans https://www.foundationhomeloans.co.uk/ 0344 770 8032
Fleet Mortgages https://www.fleetmortgages.co.uk 01252 916 800
Furness Building Society https://www.furnessbs.co.uk/ 0800 015 8018
Godiva https://www.coventrybuildingsociety.co.uk 0800 121 8899
Hampshire Trust Bank 020 7862 6244
Hanley Ecomics https://www.thehanley.co.uk 01782 255 000
Hinckley & Rugby https://www.hrbs.co.uk/ 0800 434 6343
Hodge Portfolio 029 2080 3061
Ipswich Building Society https://www.ibs.co.uk/ 0330 123 0773
Interbay https://www.interbay.co.uk/ servicing@interbayuk.com
Kensington https://www.kensingtonmortgages.co.uk 0333 300 0921
Kent Reliance https://www.kentreliance.co.uk/ 0345 122 0033
Landbay https://landbay.co.uk 0330 053 6825
Lend Invest https://www.lendinvest.com 0203 846 6880
Leek United https://www.leekunited.co.uk/ 0800 783 0847
Leeds Building Society https://www.leedsbuildingsociety.co.uk/ 0800 072 8738
Loughborough Building Society https://www.theloughborough.co.uk 01509 610707
Masthaven https://www.masthaven.co.uk/ 0207 036 2012
Melton Mowbray https://www.themelton.co.uk/ 01664 414141
Metrobank https://www.metrobankonline.co.uk/ 0345 319 1200
Natwest Bank https://personal.natwest.com/ 0800 092 9585
Newbury Building Society https://www.newbury.co.uk/ 01635 555588
Newcastle Building Society https://www.newcastle.co.uk/ 0345 702 3083
Nottingham Building Society https://www.thenottingham.com/ 0344 481 4444
Paragon Bank https://www.paragonbank.co.uk 0345 849 4060
Pepper Money https://www.pepper.money/ 03333 701 102
Platform https://www.co-operativebank.co.uk 01752 236555
Principality https://www.principality.co.uk/ 0330 333 4020
Precise Mortgages https://www.precisemortgages.co.uk 0800 116 4385
Santander https://www.santander.co.uk/ 0800 023 4603
Shawbrook https://www.shawbrook.co.uk/ 0345 650 6290
Skipton https://www.skipton.co.uk/ 0345 850 1766
Stafford Railway Building Society https://srbs.co.uk/ 0800 532 532
State Bank of India 0800 532 532
Teachers Building Society https://www.teachersbs.co.uk/ 0800 378 669
Tipton & Coseley https://www.thetipton.co.uk/ 0121 557 2551
TOGETHER Money https://togethermoney.com/ 0161 333 7404
The Mortgage Works https://www.themortgageworks.co.uk/ 0345 606 4060
The Mortgage Lender https://themortgagelender.com 0344 257 0427