Buy-to-Let Mortgages

Whether you're purchasing your first investment property or expanding a portfolio, we have access to over 500 lenders offering specialist buy-to-let products — including deals you won't find on the high street.

Get Expert Advice

How buy-to-let mortgages work

Buy-to-let mortgages differ from standard residential mortgages in several important ways. Lenders assess them primarily on the property's rental potential rather than your personal income, and they come with different deposit requirements and interest rates.

Rental income assessment

Lenders typically require the rental income to cover 125-145% of the monthly mortgage payment at a stress-tested rate. This ensures there's a buffer if rates rise or the property is vacant.

Minimum 25% deposit

Most lenders require at least 25% deposit for buy-to-let, though some specialist lenders will consider 15-20%. A larger deposit unlocks better rates and more lender options.

Higher stamp duty

Additional properties attract a 3% stamp duty surcharge on top of the standard rates. This is an important cost to factor into your investment calculations.

Specialist buy-to-let scenarios we handle

Not all buy-to-let situations are straightforward, and many require specialist knowledge and lender relationships. Here are some of the more complex cases we regularly manage:

Portfolio landlords

Landlords with 4 or more mortgaged properties face enhanced underwriting. We manage the additional documentation and source lenders who specialise in portfolio cases.

HMOs & multi-lets

Houses in multiple occupation require specialist lenders who understand the licensing requirements and higher yields these properties can generate.

Limited company purchases

Buying through an SPV can offer significant tax advantages, particularly for higher-rate taxpayers. We work with lenders offering competitive rates for corporate structures.

Refurbishment projects

If you're buying a property to refurbish and then let, we can source short-term finance for the purchase and renovation, then refinance onto a long-term buy-to-let product.

Foreign nationals

We have access to specialist lenders who offer buy-to-let mortgages to non-UK residents, expatriates, and foreign nationals investing in UK property.

Holiday lets

Short-term holiday let properties have different lending criteria to standard buy-to-lets. We source lenders who understand the seasonality and higher income potential.

Frequently asked questions

What deposit do I need for a buy-to-let?

Most lenders require a minimum 25% deposit. However, some specialist lenders will consider 15-20% deposits, particularly for experienced landlords or properties in certain locations. The larger your deposit, the better the rates available to you.

How do lenders assess buy-to-let affordability?

Buy-to-let lenders primarily assess affordability based on the expected rental income, not your personal earnings. The typical requirement is that rental income covers 125-145% of the mortgage payment at a stress-tested interest rate (usually around 5.5%). Some lenders also consider your personal income as a top-up.

Can I get a buy-to-let mortgage through a limited company?

Yes. Buying through a limited company (SPV) has become increasingly popular due to tax efficiency, particularly for higher-rate taxpayers. We can advise on the most appropriate structure and source lenders who offer competitive limited company rates.

I already have several properties — is that a problem?

Not at all. Portfolio landlords (those with 4 or more mortgaged properties) face additional underwriting requirements, but we work with many lenders who specialise in portfolio lending. We'll manage the additional documentation and find the best solution for your portfolio.

Can foreign nationals get buy-to-let mortgages in the UK?

Yes, though the options are more limited. Some lenders specialise in lending to foreign nationals and expatriates. We have access to these specialist lenders and can guide you through the additional requirements.

Looking to invest in property?

Whether it's your first buy-to-let or your fiftieth, we'll find the right deal for your investment.

Book a Free Consultation

Or call us: 0115 967 0888