Buy to Let Mortgages
Looking to invest in property? Our specialist advisers find the most competitive buy-to-let mortgage rates to maximise your return on investment.
Investing in Property
Buy-to-let mortgages are specifically designed for properties you intend to rent out rather than live in. They work differently from standard residential mortgages — lenders assess affordability primarily based on the expected rental income rather than your personal income.
Whether you're a first-time landlord or an experienced property investor looking to expand your portfolio, our specialist advisers have access to a wide range of buy-to-let products from across the market.
How Buy to Let Mortgages Work
Rental Income Assessment
Lenders typically require the rental income to cover 125–145% of the monthly mortgage payment, depending on your tax position and the lender's criteria.
Deposit Requirements
Most buy-to-let mortgages require a minimum deposit of 25%, though some lenders will accept 20%. A larger deposit usually means better rates.
Interest-Only Options
Many landlords choose interest-only mortgages to maximise monthly cash flow, with the intention of repaying the capital when the property is sold.
Personal Income
Most lenders require a minimum personal income (typically £25,000+) in addition to rental income, though specialist lenders may be more flexible.
Types of Buy to Let
Standard Buy to Let
A single residential property let to one household. The most common type of buy-to-let investment.
HMO (House in Multiple Occupation)
Properties let to three or more tenants from different households. Higher rental yields but subject to additional licensing requirements.
Multi-Unit Freehold Block (MUFB)
A building containing multiple self-contained flats under one freehold. Specialist lending required.
Portfolio Landlord
If you own four or more mortgaged buy-to-let properties, you're classified as a portfolio landlord. Lenders assess your entire portfolio when considering new applications.
Limited Company Buy to Let
Purchasing through a Special Purpose Vehicle (SPV) limited company. Can offer tax advantages for higher-rate taxpayers — we'll advise you to speak to a tax specialist.
Key Considerations for Landlords
Important Information
Buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage. The guidance contained within this website is subject to the UK regulatory regime. We recommend seeking independent tax advice before investing in buy-to-let property.
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