Buy to let

Lending criteria – buy-to-let

Barclays buy-to-let mortgage is a residential investment product. It's designed for the purchase or remortgage of residential properties (including new build) that will be ready to let on or within 1 month of completion.

Download our packaging requirements for more information or follow the links below.

Packaging checklist [PDF, 294KB]

A guide to Buy to Let affordability and online affordability calculator [PDF, 214KB]

Buy to Let affordability and the online Affordability Calculator FAQs [PDF, 187KB]

Our lending criteria at a glance [PDF, 857KB]

Use our A to Z tool below for details of our buy-to-let lending criteria

  • Adding fees
  • Adverse credit history
  • Affordability
  • Age restrictions
  • Aggregate borrowing/overall exposure
  • Allowable gross income
  • Bankruptcy/IVA
  • Borrower type
  • Builders deposits/incentive
  • Commitments
  • Credit reference searches
  • Ex-local authority flats/maisonettes
  • Floating charge (debenture)
  • First-time buyers
  • Further advances
  • Guarantors
  • House in multiple occupation (HMO)
  • Independent legal advice
  • Interest-only mortgages
  • Internet Bank Statements
  • Japanese knotweed
  • Joint borrower / sole proprietor


  • Letting types
  • Life cover
  • Limited liability partnerships (LLP)
  • Loan size
  • Loan to value (LTV)
  • Location
  • Mixed-use properties
  • Mortgage conditions
  • Mortgage or rent arrears
  • Multiple applicants
  • New build properties


  • PO Box addresses
  • Personal covenant assessment
  • Porting
  • Property concentration
  • Property management
  • Property types


  • Reduced income for defined period of time
  • Refinancing Business Debt
  • Remortgages (including capital raising)
  • Repayment strategies for interest-only BTL mortgages
  • Repayment types
  • Residency
  • Self-employed
  • Solicitors
  • Special purpose vehicle (SPV) limited company
  • Supporting documentation
  • Term of mortgage
  • Valuation and rental assessment appeal
  • Valuations