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Buy to Let Mortgages

Looking to invest in property and become a landlord?
Whether you’re buying your first rental property, growing an existing portfolio or remortgaging a property you already own, finding the right Buy to Let mortgage can make a big difference.
Ready to explore your Buy to Let options?
With a wide range of lenders and mortgage options available, it can be difficult to know where to start. Our mortgage advisers can look at your circumstances, understand your plans and help you explore Buy to Let mortgage options that could be suitable for you.
Buy to Let

Use our residential mortgage calculator to get a quick estimate of your potential monthly repayments and see how much you could borrow based on your individual circumstances.

We can help with
How much can I borrow?

The amount you can borrow will depend on a number of factors.

For many Buy to Let mortgages, lenders place particular importance on the expected rental income from the property. They may assess whether the anticipated rent provides sufficient cover for the mortgage payments.

Your deposit, property value, personal circumstances and the lender’s affordability and rental calculations can also affect how much you may be able to borrow.

We can help you understand how much you may be able to borrow before you start looking for your next property.

Buy to Let mortgages for different circumstances
First-time landlords

Thinking about becoming a landlord for the first time?
We can help you understand the different types of Buy to Let mortgages available and what lenders may look for when assessing your application.

Experienced landlords

Already have a property portfolio?
If you’re looking to expand, refinance or release equity, we can help you explore your options and find a mortgage that fits your plans.

Limited company Buy to Let
Some landlords choose to purchase investment properties through a limited company. There are specialist mortgage options available for limited company Buy to Let, although the criteria can differ from standard Buy to Let mortgages.

We can help you understand the options available to you.
Buy to Let remortgages

Your current Buy to Let mortgage may no longer be the most suitable option for your circumstances.
Whether your deal is coming to an end, you’re looking for a better rate or you want to release equity, remortgaging could be worth considering.

What deposit do I need for a Buy to Let mortgage?
The deposit required will depend on the lender, property and your individual circumstances.

Many Buy to Let mortgages require a larger deposit than a typical residential mortgage, although the exact amount can vary.

Having a larger deposit can potentially give you access to a wider range of mortgage options and may help you secure a lower interest rate.
What do Buy to Let lenders look at?

Every lender has its own criteria, but they may consider:

  • The property's value
  • Expected rental income
  • Your deposit or available equity
  • Your existing property portfolio
  • Your income and financial circumstances
  • Your credit history
  • The type of property
  • The property's location
  • Whether you are purchasing personally or through a limited company
  • The overall strength of your application
That’s why speaking to a mortgage adviser can be useful before making an application.
Why speak to us about your Buy to Let mortgage?

Choosing a Buy to Let mortgage isn’t just about finding the lowest rate. The right mortgage needs to work with your circumstances and your plans as a landlord.

We can help you:

Understand your options
We’ll explain the different types of Buy to Let mortgages available and what they could mean for you.
Find suitable lenders
We’ll consider your circumstances and search for mortgage options from lenders whose criteria may fit your requirements.
Plan your next investment
If you’re growing a portfolio, we can help you understand how your next mortgage could fit into your wider plans.
Make the process simpler
From your initial enquiry through to your mortgage application, we’ll guide you through the process and explain what’s happening at each stage.
Contact the team
Whether you’re an experienced landlord or considering your first investment property, we’re here to help. Tell us about your plans and we’ll help you understand what Buy to Let mortgage options may be available to you.
Let’s talk about your next property investment
Quick Enquiry

Your property may be repossessed if you do not keep up repayments on your mortgage.

Buy to Let mortgages are not usually regulated by the Financial Conduct Authority.
Some Buy to Let mortgages may be regulated depending on the circumstances of the property and borrower.
Your adviser will explain whether the mortgage you are considering is regulated.

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