Buy to let

Lending criteria for 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 one month of completion.

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

Packaging checklist [PDF, 250.2KB]

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
  • Cryptoassets
  • Ex-local authority flats/maisonettes
  • Floating charge (debenture)
  • First-time buyers
  • Further advances
  • Green Home Mortgages 
  • 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