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Real Estate Finance

Residential Property Investment Loan

A simple way to borrow

Our Residential Property Investment Loan is designed for those who are wishing to invest in a property that will be let to a third party. 

Minimum borrowing amount of £50,000, subject to approval

Fixed and variable interest rate options available 

Loan terms up to 20 years with a range of repayment profiles 

You can repay your loan with no early redemption charges, conditions apply

If the Royal Bank base rate increases, your repayments will also increase with a Variable interest rate loan.

A professional valuation may be required

Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.

Residential Investment Loan in detail

Loan features

Get in touch

No early redemption charge

Two repayment profiles available

Fixed and Variable interest rates available

Variable Rate Loan Borrowers

Fees

Valuation and Security fee

A professional valuation and security fee may be charged where a valuation and security are required.

Arrangement fee

An arrangement fee may apply, based on deal size and complexity.

How it works

Get started

Speak to your Relationship Manager or call us to get in touch.

Apply

We’ll provide a quote and collect any further details required for your application.

Outcome

Once you've applied, we'll discuss the outcome, agree terms and next steps.

Money in Account

Once any conditions are satisfied, we will confirm that funds have been paid out.

Useful info about our Residential Property Investment Loan

Variable interest rate borrowers: Changes in the Royal Bank of Scotland base rate will affect the amount you need to pay to fully repay your loan. If you repay your loan from an account with the Royal Bank of Scotland or via Direct Debit, we will automatically adjust your repayments to reflect changes in the Royal Bank of Scotland base rate going forward (or, wherever possible, let you know if we are not able to do so for whatever reason). If you repay your loan via standing order from an externally banked account, we will be in touch to let you know the next steps required to adjust your repayments accordingly.

Ready to enquire?

Give our dedicated team a call to talk through possible solutions, tailored to you. You can also contact your Relationship Manager directly if you have one.

Lines are open 9.00am – 5.30pm Monday to Friday (except public holidays). 

For quick info on lending, you can also chat with Cora, our digital assistant. To speak to Cora, click the ‘chat to Cora’ button the bottom right of your screen.

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Customers with hearing and speech impairments can contact us by using our Relay UK Service: 18001 0345 600 2230

For more information visit the accessibility page.

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Additional lending for your business

Other ways to borrow money

We have a range of borrowing options that could suit your situation, including a Commercial Mortgage and Business Overdrafts.

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Invest in commercial premises

As a commercial property owner, you may benefit from increases in property value. This could be a great way to grow your business.

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Looking for a quick cash option?

Apply for a business loan in just 10 minutes and get an instant decision. If approved, you could have the money within 24 hours.

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See our Small Business Loan Open in new window

Something else we can help you with?