Expert buy to let mortgage advice for landlords
Whether you're investing in your first rental property or managing a large portfolio, we find the most competitive buy to let mortgage rates and structure your finance to maximise your returns.
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Buy to let mortgage solutions
Single rental properties
Standard buy to let mortgages for individual investment properties. We compare rates from all major lenders.
Portfolio landlords
Specialist advice for landlords with 4+ mortgaged properties. We understand how portfolio assessments work.
HMO mortgages
Houses in Multiple Occupation require specialist lenders. We have strong relationships with HMO mortgage providers.
Limited company BTL
Many landlords now purchase through a limited company for tax efficiency. We arrange mortgages for SPVs and trading companies.
Holiday let mortgages
Let your property as a furnished holiday let on platforms like Airbnb? We arrange specialist holiday let mortgage finance.
Remortgage your BTL
Review your buy to let mortgage rates when your deal expires and switch to a more competitive product.
How to get a buy to let mortgage
From initial enquiry to first rental income. Here's what the process looks like.
Review your finances and structure
Before anything else, we discuss whether to purchase personally or through a limited company, a decision that significantly affects your tax position. We also review your deposit (minimum 25%), the rental income the property will generate, and any existing portfolio.
Rental income stress test
BTL lenders assess affordability based on rental income, not your salary. The typical requirement is that rent covers 125–145% of monthly mortgage interest, calculated at a stress rate of 5.5–6%. We run these numbers for you before you make an offer.
Decision in Principle and property search
We get you a Decision in Principle from the most suitable lender. You can then make offers with confidence, knowing your finance is in place. This is especially important in competitive London markets where sellers want certainty.
Full application and valuation
Once your offer is accepted, we submit your full application. The lender conducts a buy to let valuation, assessing both the property value and the achievable market rent. The rental assessment is just as important as the physical valuation.
Mortgage offer and legal completion
After underwriting, the lender issues a mortgage offer. Your solicitor handles the conveyancing. On completion, the property is yours and ready to let. We can also refer you to a letting agent if you need help finding tenants.
How BTL affordability is calculated
Unlike residential mortgages, BTL affordability is driven by rental income, not your salary. Understanding the stress test helps you work backwards from a target property.
Rental stress test example: £300,000 property, 75% LTV
Loan amount
£225,000
Stress rate used
5.5%
Monthly interest at stress rate
£1,031
At 145% rental coverage: minimum rent required = £1,031 × 145% = £1,495/month. If the property achieves this rent, the mortgage is affordable. We run this calculation for every property before you make an offer.
Personal name vs limited company: key differences
Personal name (individual)
- ·Simpler to set up, no company admin costs
- ·Section 24: only 20% tax credit on mortgage interest
- ·Rental income taxed at your marginal rate (up to 45%)
- ·More lenders available, often better rates
- ·Works well for basic-rate taxpayers or properties with low leverage
Limited company / SPV
- ·Full mortgage interest deductible as a business expense
- ·Profits taxed at corporation tax rate (19–25%)
- ·Dividend tax applies when extracting profits
- ·Additional setup and accountancy costs (~£500–£1,500/yr)
- ·Usually better for higher-rate taxpayers building a portfolio
BTL tax calculator →
Compare personal vs limited company with your exact figures
BTL remortgage →
Already a landlord? Compare remortgage rates for your property
Buy to let mortgages: what you need to know
Buy to let mortgages are designed for properties you intend to rent out. They differ from residential mortgages in how affordability is assessed, the deposit required (typically 25%), and how the property is valued. The lender assesses both the bricks-and-mortar value and the achievable market rent.
Section 24 tax changes mean mortgage interest is no longer fully deductible for individual landlords. Instead you receive a 20% tax credit on finance costs. This has prompted many landlords to purchase through limited companies. We advise on both structures and can run a detailed comparison for your specific circumstances using our BTL tax calculator.
Some buy to let mortgages are not regulated by the Financial Conduct Authority. Buy to let is a business investment. Rental income and capital growth are not guaranteed.
Buy to let mortgage FAQs
How much deposit do I need for a buy to let mortgage?
How is affordability calculated for buy to let mortgages?
Can I have multiple buy to let mortgages?
Are buy to let mortgages regulated by the Financial Conduct Authority?
Can I get a buy to let mortgage as a first time landlord?
Related services
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Some buy to let mortgages are not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.