Buy-to-let mortgages explained
A buy-to-let mortgage is designed for properties you intend to rent out rather than live in. They work differently to standard residential mortgages — typically requiring a larger deposit (usually 25% or more) and with interest rates that can vary significantly between lenders.
We offer a comprehensive range of first charge regulated mortgage contracts from over 70 lenders across the market but not deals that you can only obtain by going direct to a lender.
How it works
- Tell us about the property — value, expected rental income, and your deposit
- Your adviser searches great buy-to-let deals suited to your circumstances
- We present our recommendation and explain everything clearly — rates, fees, and rental coverage requirements
- Once you're happy, we handle the application through to completion
Things to consider
- Most buy-to-let mortgages require a minimum deposit of 25%
- Lenders typically require the rental income to cover 125–145% of the mortgage payment
- Additional stamp duty applies to second properties
- Tax rules for landlords have changed in recent years — it's worth getting specialist tax advice
