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Buy-to-Let Mortgages
Invest with Confidence: Find the Right Buy-to-Let Mortgage
Types of Buy-to-Let Mortgages
Whether you’re a first-time landlord or expanding your property portfolio, we make securing a buy-to-let mortgage straightforward.
With access to a wide range of lenders, we help you find the right deal for your investment goals and guide you every step of the way.
Get started with your buy-to-let mortgage. Contact us for a free, no-obligation chat.
Our Buy-to-Let Options
Standard Buy-to-Let
Traditional residential investment properties for long-term tenants
Portfolio Landlords
Specialist support if you own 4 or more mortgaged properties
Limited Company BTL
Tax-efficient property investment through a limited company structure
HMO Mortgages
Finance for Houses in Multiple Occupation with multiple tenants
Holiday Lets
Mortgages for short-term rental and holiday accommodation
Multi-Unit Blocks
Financing for blocks of flats and multiple-dwelling properties
What You Need to Know
Typical deposit: 25% of property value (sometimes higher)
Typical deposit: 25% of property value (sometimes higher)
Rental income must usually cover 125-145% of mortgage payments
Different tax treatment compared to residential mortgages
Lender criteria varies significantly
Some lenders have portfolio limits
Regulation and licensing requirements may apply
Buy-to-Let FAQs
What is a buy-to-let mortgage?
A buy-to-let mortgage is designed for properties that will be rented out to tenants, rather than lived in by the borrower.
How much deposit is required for a buy-to-let mortgage?
Most lenders require a minimum deposit of around 25%, although this can vary based on the property, rental income, and borrower profile.
How is affordability assessed for buy-to-let mortgages?
Affordability is usually based on rental income, which must typically cover a percentage of the mortgage interest at a stressed rate set by the lender. Some lenders may require you to have a minimum personal income.
Can I get a buy-to-let mortgage through a limited company?
Yes. Limited company buy-to-let mortgages are available, though lender choice, fees, and interest rates may differ from personal buy-to-let products
What is a portfolio landlord?
A portfolio landlord is usually defined as someone who owns four or more mortgaged buy-to-let properties. Additional checks and documentation are normally required.
Can I live in my buy-to-let property?
No. Buy-to-let mortgages are specifically for rental properties. Living in a buy-to-let property breaches the mortgage terms and could result in the lender demanding full repayment.
What are the risks of buy-to-let mortgages?
Key risks include void periods without rental income, interest rate increases, property price falls, problem tenants, maintenance costs, and changing tax treatment.
Start Building Your Portfolio
Expert buy-to-let mortgage advice — no obligation