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?

Yes.

85% loan to value products were temporarily been taken off the market, over lockdown, but they have since been re-introduced.

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

85% 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 lenders accept a minimum of 15% 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.

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

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-19Telephone number:
Accordhttps://www.accordmortgages.com/0800 138 2402
Aldermorehttps://www.aldermore.co.uk/0333 003 3990
Axishttps://www.axisbankuk.co.uk0333 006 3680
Barclayshttps://www.barclays.co.uk/0333 202 7439
BM Solutionshttps://www.bmmortgages.co.uk/0345 300 2627
Bank of Ireland / Post Officehttps://www.bankofireland.com/01 611 3333
Bluestonehttps://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"
Clydesdale Building Societyhttps://secure.cbonline.co.uk0800 121 4203
Cumberland Building Societyhttps://www.cumberland.co.uk01228 403 141
Dudley Building Societyhttps://www.dudleybuildingsociety.co.uk01384 231 414
Foundation Home Loanshttps://www.foundationhomeloans.co.uk/0344 770 8032
Fleet Mortgageshttps://www.fleetmortgages.co.uk01252 916 800
Furness Building Society0800 015 8018
Godivahttps://www.coventrybuildingsociety.co.uk0800 121 8899
Hampshire Trust Bank020 7862 6244
Hanley Ecomicshttps://www.thehanley.co.uk01782 255 000
Hinckley & Rugbyhttps://www.hrbs.co.uk/0800 434 6343
Hodge Portfolio029 2080 3061
Ipswich Building Societyhttps://www.ibs.co.uk/0330 123 0773
Interbayhttps://www.interbay.co.uk/servicing@interbayuk.com
Kensingtonhttps://www.kensingtonmortgages.co.uk0333 300 0921
Kent Reliancehttps://www.kentreliance.co.uk/0345 122 0033
Landbayhttps://landbay.co.uk0330 053 6825
Lend Investhttps://www.lendinvest.com0203 846 6880
Leek Unitedhttps://www.leekunited.co.uk/0800 783 0847
Leeds Building Societyhttps://www.leedsbuildingsociety.co.uk/0800 072 8738
Loughborough Building Societyhttps://www.theloughborough.co.uk01509 610707
Masthavenhttps://www.masthaven.co.uk/0207 036 2012
Melton Mowbrayhttps://www.themelton.co.uk/01664 414141
Metrobankhttps://www.metrobankonline.co.uk/0345 319 1200
Natwest Bankhttps://personal.natwest.com/0800 092 9585
Newbury Building Societyhttps://www.newbury.co.uk/01635 555588
Newcastle Building Societyhttps://www.newcastle.co.uk/0345 702 3083
Nottingham Building Societyhttps://www.thenottingham.com/0344 481 4444
Paragon Bankhttps://www.paragonbank.co.uk0345 849 4060
Pepper Moneyhttps://www.pepper.money/03333 701 102
Platformhttps://www.co-operativebank.co.uk01752 236555
Principalityhttps://www.principality.co.uk/0330 333 4020
Precise Mortgageshttps://www.precisemortgages.co.uk0800 116 4385
Santanderhttps://www.santander.co.uk/0800 023 4603
Shawbrookhttps://www.shawbrook.co.uk/0345 650 6290
Skiptonhttps://www.skipton.co.uk/0345 850 1766
Stafford Railway Building Societyhttps://srbs.co.uk/0800 532 532
State Bank of India0800 532 532
Teachers Building Societyhttps://www.teachersbs.co.uk/0800 378 669
Tipton & Coseleyhttps://www.thetipton.co.uk/0121 557 2551
TOGETHER Moneyhttps://togethermoney.com/0161 333 7404
The Mortgage Lenderhttps://themortgagelender.com0344 257 0427