Buy to Let Mortgages

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.

Buy to let mortgages in the UK: what you need to know

Buy to let mortgages are specifically designed for properties you intend to rent out rather than live in. They work differently from residential mortgages — most importantly, the affordability assessment is based primarily on the projected rental income rather than your personal earnings.

As a landlord, the tax treatment of your buy to let investments has changed significantly in recent years. Section 24 tax changes mean mortgage interest is no longer fully deductible for individual landlords, which is why many are now purchasing through limited companies (Special Purpose Vehicles). We advise on both personal and company structures.

Buy to let mortgage rates are typically higher than residential mortgage rates, and the minimum deposit required is usually 25%. However, the rental income your property generates can significantly offset these costs, and with property values rising over time, buy to let remains a popular long-term investment strategy.

Please note: Some buy to let mortgages are not regulated by the Financial Conduct Authority. Buy to let is a business investment and the value of your investment can go down as well as up. 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?
Most buy to let lenders require a minimum deposit of 25% of the property value, though some products are available with 20%. A larger deposit will give you access to better rates and improve your rental yield calculations.
How is affordability calculated for buy to let mortgages?
Unlike residential mortgages, buy to let affordability is primarily based on projected rental income rather than your personal income. Lenders typically require the rental income to cover 125–145% of the monthly mortgage interest payment (at a stress-tested rate).
Can I have multiple buy to let mortgages?
Yes. Many landlords have portfolios of multiple properties. If you have four or more mortgaged buy to let properties, you are classified as a "portfolio landlord" and lenders will assess your whole portfolio. We specialise in helping portfolio landlords.
Are buy to let mortgages regulated by the Financial Conduct Authority?
Most buy to let mortgages are not regulated by the Financial Conduct Authority. Consumer buy to let mortgages (where you or a family member have lived in the property) are regulated. We will confirm the regulatory position for your specific situation.
Can I get a buy to let mortgage as a first time landlord?
Yes, though the choice of lenders may be more limited. Some lenders require you to own your own residential property first. We will find the lenders most suited to first time landlords and help you through the process.

Ready to discuss your buy to let mortgage?

Get free, independent advice from our specialist landlord mortgage team.

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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.