Buy to Let Mortgages in Camden
Rental cover is the binding constraint here, not deposit. Whole-of-market buy to let advice for Camden landlords — personal name, limited company, portfolio and HMO lending.
3.4%
Average gross yield
£1.1m
Typical entry price
90+
Lenders compared
What type of mortgage do you need?
Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.
"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."
— Roger Cooper, Senior Mortgage Adviser
What actually decides a Camden buy to let application
At these yields the rent often will not satisfy a lender’s interest cover ratio on a standard 75% loan, even when the client comfortably affords the property. This is the single most common reason a buy to let application fails in prime London — and it is a lending structure problem, not an affordability one.
How we approach it
- →Top-slicing lenders, who will consider your earned income where rental cover falls short
- →Lower loan-to-value to bring the required rental cover within reach
- →Five-year fixed products, which are stress-tested at the pay rate rather than a notional higher rate
- →Limited company structures, where the 145% cover test can work out more favourably than a higher-rate taxpayer’s 145%
Camden's housing market in 2026
The average property in Camden sold for £983,691 over the past year, down 7% on the year before and 21% below the borough's 2022 peak of £1,244,386. Flats accounted for most sales at £718,882 on average, while terraced houses around Primrose Hill and Belsize Park averaged £2,209,389 and semi-detached properties reached £3,150,000.
The gap between flat and house prices in Camden is wide enough that a family upsizing from a Kentish Town flat to a Belsize Park terrace can see their mortgage, and the life cover needed to protect it, can multiply several times over in a single move.
Source: Source: HM Land Registry price-paid data, via Rightmove House Prices, period to 31 March 2026 (last updated 15 May 2026).
Landlord areas we cover in Camden
What our clients say
I have used Mortgage International a few times and they have always been very helpful, professional and reasonable. I would highly recommend and will always use them and recommend everyone does too.
Roger has been great to work with over the last few years, I got my first mortgage with him and have used him for our remortgages since. He was always quick to respond and explained everything clearly.
Roger assisted me in purchasing my first home during lockdown. He was helpful and provided great guidance during this process, especially as a first time buyer. I have since used him to remortgage too. Would recommend his services.
Buy to let in Camden: common questions
What rental yield can I expect in Camden?
Average gross yield across Camden is around 3.4%, with entry prices from about £1.1m. Yields vary meaningfully within the borough — Primrose Hill and Kentish Town will not price the same way. Gross yield ignores voids, management, maintenance and finance costs, so treat it as a starting comparison rather than a return.
How much deposit do I need for a buy to let in Camden?
Most buy to let lenders want at least 25%. On Camden's £1.1m entry price that is roughly £275,000, plus stamp duty at the higher additional-property rates and purchase costs. Some lenders go to 80% loan-to-value, though rates are higher and the rental cover test becomes harder to satisfy.
Should I buy through a limited company in Camden?
It depends on your tax position rather than the borough. Higher-rate taxpayers often find a limited company more efficient, because mortgage interest is a deductible business expense rather than attracting the restricted relief that applies to personally-held property. Company products usually carry higher rates and fees, so the comparison has to be run on your actual numbers. We are not tax advisers — we will model the mortgage side and recommend you take accountancy advice on the rest.
Will the rent cover the mortgage in Camden?
At these yields the rent often will not satisfy a lender’s interest cover ratio on a standard 75% loan, even when the client comfortably affords the property. This is the single most common reason a buy to let application fails in prime London — and it is a lending structure problem, not an affordability one.
Buy to let advice for Camden landlords
Whole of market, FCA regulated, no upfront fees. We will tell you honestly whether the numbers work before you commit to anything.
Get a free initial consultation →Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy to let mortgages are not regulated by the Financial Conduct Authority. The figures on this page are local averages shown for comparison and are not a quotation, projection or recommendation.