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?


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?


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:
Accord 138 2402
Aldermore 003 3990
Axis 006 3680
Barclays 202 7439
BM Solutions 300 2627
Bank of Ireland / Post Office 611 3333
Bluestone 368 1834 for 7 digit account numbers beginning "200" or 0345 130 4386 for 9 digit account numbers beginning "10"
Clydesdale Building Society 121 4203
Cumberland Building Society 403 141
Dudley Building Society 231 414
Foundation Home Loans 770 8032
Fleet Mortgages 916 800
Furness Building Society0800 015 8018
Godiva 121 8899
Hampshire Trust Bank020 7862 6244
Hanley Ecomics 255 000
Hinckley & Rugby 434 6343
Hodge Portfolio029 2080 3061
Ipswich Building Society 123 0773
Kensington 300 0921
Kent Reliance 122 0033
Landbay 053 6825
Lend Investhttps://www.lendinvest.com0203 846 6880
Leek United 783 0847
Leeds Building Society 072 8738
Loughborough Building Society 610707
Masthaven 036 2012
Melton Mowbray 414141
Metrobank 319 1200
Natwest Bank 092 9585
Newbury Building Society 555588
Newcastle Building Society 702 3083
Nottingham Building Society 481 4444
Paragon Bank 849 4060
Pepper Money 701 102
Platform 236555
Principality 333 4020
Precise Mortgages 116 4385
Santander 023 4603
Shawbrook 650 6290
Skipton 850 1766
Stafford Railway Building Society 532 532
State Bank of India0800 532 532
Teachers Building Society 378 669
Tipton & Coseley 557 2551
TOGETHER Money 333 7404
The Mortgage Lenderhttps://themortgagelender.com0344 257 0427