Buy To Let Mortgages

Whether you’re buying or switching, Buy to Let finance can seem complex. It’s why we make it simple, working with brokers, taking the time to understand your plans, so we can offer clear guidance and design a finance package structured around your property project.

 

 
 
 
 
 
 

About Us

We’re proud to back the investors and entrepreneurs helping to shape Ireland’s towns, cities and communities. So if you’ve got rental property plan, we’re here to help you build it.

 

Product Snapshot

  • Loan size: €100k – €5m

  • Single Loan Per Property

  • Max exposure per borrower: €5m

  • Term loan: Up to 30 years

  • Interest-only loan: Up to 5 years Interest Only, then  Principal and Interest

    or bullet repayment

  • Distribution: Exclusively via a panel of approved brokers (not offered direct to borrowers)

 
 
 
 
 

How does it work?

 


1. Find a Broker

Make an application with one of our approved brokers - email here for full list of brokers: btlcustomercare@capitalflow.ie or call us on 01-5440271


2. Get a decision

Once received, you’ll get a decision in days, not weeks


3. Sign and Close

Complete documents on our portal and draw down your loan

 

Buy To Let Rates

*please note these rates are pilot rates and are subject to change.

Product Type

2 Year Fixed

3 Year Fixed

5 Year Fixed

Variable

LTV < 50%

4.80%

4.85%

4.90%

4.90%

LTV 50%-60%

4.80%

4.85%

4.90%

4.90%

LTV 60%-70%

4.80%

4.85%

4.90%

4.90%

 

BTL Valuation Fee

 €275.00 - €1,000.00 *

BTL Lender’s Legal Fees. Borrower is responsible for their own fees.

*All fees are inclusive of VAT

 €2,152.50  (for individual) *
 €3,075.00  (for SPV) *

 

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
 
Warning: You may have to pay charges if you repay early, in part or in full, a fixed rate credit facility.
 
Warning: The Cost of Your Repayments May Increase.
 
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.