Buy to rent mortgages
For property owners looking to further build their property portfolio, the buy-to-let mortgages are the perfect solution.
By providing a larger deposit, you can invest in property to rent out, with rental income contributing towards your mortgage payments.
- Support an income-generating property portfolio
- Gain access to the Gibraltar property market
- Flexibility and control over property investment
Why choose our buy to let mortgage
Borrowing
We offer up to 70% borrowing available (subject to qualifying properties, valuation, and affordability).
Competitive Rates
Gibraltar International Bank offers competitive rates to support your portfolio.
Flexible facilities
We build our products to give you the most flexibility possible.
Application process
Designed to be as straightforward as possible, here’s how the application process works:
1. Initial consultation
Speak to our team about your needs and determine the most suitable financing option
2. Documentation
We’ll guide you through the documentation you’ll need depending on the type of loan and your business structure.
3. Approval & funding
Once your application is complete, we’ll review and finalise the terms, and provide a clear timeline for approval and funding.
Apply today by getting in touch via email or mobile.
FAQs
Everything you need to know about buying to let.
Buy-to-let mortgages with Gibraltar International Bank are designed for properties in Gibraltar.
If you live outside Gibraltar, you can apply if you have a Gibraltar-based income source (e.g., rental income or employment).
Contact us to speak to one of our Mortgage advisors on +350 200 13900 or send an email to lending@gibintbank.gi to schedule an appointment
To qualify for a buy-to-let mortgage with Gibraltar International Bank, you must:
- Pay a minimum 50% deposit.
- Rent out the property (you cannot live in it).
- Have a rental income that covers at least 145% of the mortgage repayment amount.
- Be a Gibraltar resident or have a Gibraltar-based income source.
- Have a good account management history with GIB.
Contact us to speak to one of our Mortgage advisors on +350 200 13900 or send an email to lending@gibintbank.gi to schedule an appointment
Yes, you can apply for a buy-to-let mortgage as a first-time buyer with Gibraltar International Bank, but you must:
- Pay a minimum 50% deposit.
- Have a rental income that covers at least 145% of the mortgage repayment amount.
- Have a stable income.
- Be a Gibraltar resident or have a Gibraltar-based income source.
- Have a good account management history.
Contact us to speak to one of our Mortgage advisors on +350 200 13900 or send an email to lending@gibintbank.gi to schedule an appointment
The main risks of a buy-to-let mortgage include:
- Fluctuating rental income affecting your ability to cover payments.
- Property maintenance costs reducing your profit.
- Void periods when the property isn’t occupied.
- Changes in interest rates increasing your payments.
- A decrease in property values impacting your equity.
For more details, visit www.gibintbank.gi/mortgages/buy-to-let
To apply for a Buy-to-Let Mortgage with Gibraltar International Bank, you’ll need:
- Proof of income (payslips from the last 3 months, employment contract, or tax returns).
- A valid ID (passport, driving licence, or Civilian Registration Card).
- Property details (purchase agreement and property address).
- 6 months’ bank statements for all active accounts.
- Proof of savings (e.g., bank statements showing savings).
- Proof of rental income (rental contract or a letter from an estate agent with potential income).
Contact us to speak to one of our Mortgage advisors on +350 200 13900 or send an email to FOlending@gibintbank.gi to schedule an appointment
If you can’t rent out your buy-to-let property, you’ll still need to make mortgage payments to Gibraltar International Bank.
Ensure your rental income covers at least 145% of the mortgage repayment amount, or have an additional income source to cover payments during void periods.
Contact us to speak to one of our Mortgage advisors on +350 200 13900 or send an email to lending@gibintbank.gi to schedule an appointment if your having difficulty repaying the mortgage.