Buy-to-let policy
After or approaching retirement
If a customer is already retired, or the term extends beyond their declared retirement date or their 71st birthday and they are within 10 years of either date we will use their pension income for affordability, or current income if lower.
Over 10 years before retirement
If the term extends beyond the customer’s declared retirement date or their 71st birthday but the customer is not within 10 years of either date, we don’t need proof of income in retirement but we do need to see that the customer is paying in to a pension plan.
Self employed
For self employed customers we may be able to use their current income up to age 75 and 364 days. This is subject to their line of work and business activities. Please check with us before applying.