All about our Buy To Let (BTL) mortgages
At Dudley Building Society, we do mortgages differently, ensuring each case is individually underwritten by humans—not robots.
We cater to both simple and complex needs. Whether you're an experienced investor or just starting out in the Buy-to-Let space, Dudley will be your helping hand in meeting those unique requirements.
Our key USPs for Buy-to-Let Mortgages
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Up to 80% LTV
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Ex pat BTL/Holiday let accepted
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Holiday Let/Airbnb using High / Medium / Low rent
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If ICR not met, can consider full affordability
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First Time Landlord accepted , First Time Buyer accepted
Our other standouts:
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No maximum age limit
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40-year maximum term
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Regulated & consumer Buy-to-Let accepted
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JBSP accepted
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Low early repayment charges (0.5% - 3%)
Our affordability requirements
As a minimum income for BTL applications, clients are required to have an earned income of around £15,000 - £20,000 to cover rental voids.
Additionally, where the rental cover calculations are not met, the Society will consider lending where it can be adequately demonstrated that the strength of borrowers’ covenant is sufficient to create an acceptable lending risk.
Why we offer personal underwriting
At Dudley, we priortise personal underwriting. Unlike many lenders who rely on automated processes, each application is individually assessed by one of our dedicated underwriters.
We understand that each case can have complex needs. Our personal underwriting ensures that we consider the full picture of your financial situation and investment goals.
From this, we tailor our solutions around your needs and offer greater flexibility. For first time landlords or experienced investors, we guarantee a personal touch in every decision.
Always underwritten by humans not robots – let us help you place your case.
Find out more
We are a broker-friendly lender and would love to hear from you. Follow the links to find out more:
Our mortgage offerings
Check out our criteria
Find out more about our Expat Mortgages
Find out more about our Holiday Lets Mortgages
Find out more about our Intermediary mortgage product range.
Check out our latest mortgage rates and product guides
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