Buy to Let

Mortgages for landlords

Whether you are buying your first rental property or adding to an established portfolio, we find the right buy to let mortgage for your situation. We compare deals from high street banks, specialist lenders and private banks to get you the best rate and terms.

Talk to us

Mortgage advice, made simple

Get clear advice before you apply.

Tell us about the property and landlord position.

FCA regulated, whole-of-market mortgage advice.
No jargon and no pressure to proceed.
We explain fees, risks and next steps before any application.

Your home may be repossessed if you do not keep up repayments on your mortgage. Some specialist or buy-to-let finance may not be regulated by the FCA.

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Prefer to talk? Call 01772 217917.

FCA Regulated

Whole of market

LTV subject to criteria

Personal & Ltd Co

How buy to let mortgages work

A buy to let mortgage is designed for properties you plan to rent out rather than live in. The lender assesses the deal primarily on the expected rental income rather than your salary, although your personal income still matters for affordability checks.

Most BTL mortgages are interest-only, meaning your monthly payments only cover the interest. The capital remains due at the end of the mortgage term. You need a repayment plan; a sale or remortgage is not guaranteed. Deposits are often around 25%, but the minimum depends on the lender and application.

What we arrange

First-time landlords

Buying your first rental property is straightforward with the right guidance. We find lenders who are comfortable with new landlords and explain the rental coverage calculations so you know exactly where you stand.

Portfolio landlords

If you own four or more mortgaged rental properties, you are classed as a portfolio landlord. This triggers additional underwriting requirements. We manage the paperwork and know which lenders handle portfolio cases efficiently.

Remortgaging

When your current deal expires, you move onto the lender's standard variable rate. We review the market and switch you to a new fixed or tracker rate, often releasing equity at the same time if you need funds for your next purchase.

Rates and costs

Buy to let rates are slightly higher than residential mortgages. As a general guide:

Fixed rates depend on the product, deposit and application
Arrangement fees vary; compare the total cost as well as the rate
Rental income must meet the lender's interest-cover test, often using a stressed rate rather than the actual payment
Most deals are interest-only, keeping monthly costs manageable

Tax changes for landlords

Mortgage interest tax relief for individual landlords has been replaced by a 20% tax credit. Higher-rate taxpayers may benefit from holding properties through a limited company. We can explain the options and connect you with specialist tax advisers if needed.

Common questions

Do I need a minimum income?

Minimum personal-income requirements vary by lender; some have no fixed minimum but still assess your finances. The key test is whether the rental income covers the mortgage payment by enough of a margin.

Can I live in the property?

No. A buy to let mortgage is strictly for properties rented to tenants. If you want to live in the property at any point, you would need consent from your lender or a different mortgage product.

What about stamp duty?

In England and Northern Ireland, the additional-dwelling SDLT surcharge is generally 5 percentage points. It does not apply to every individual buy-to-let purchase. Company purchases have separate rules; Scotland and Wales use different property taxes. Ask your conveyancer to calculate the tax due.

Can I buy through a company?

Yes. Many landlords now purchase through a limited company for tax efficiency. We arrange Ltd Co BTL mortgages and can explain the practical differences. See our dedicated Ltd Company BTL page for more detail.

Other investment services

Ltd Company BTL

Tax-efficient portfolio lending through a company.

HMO Mortgages

Mortgages for houses in multiple occupation.

Holiday Let

Finance for furnished holiday lettings.

Mon – Fri	9am – 6pm
Saturday	9am – 1pm
Sunday	Closed