Buy to Let
Whether you’re a new or experienced landlord, our advisers can help explain buy-to-let mortgage options and guide you through the process.
From comparing lenders to managing the paperwork, we’ll support you at every stage — helping you understand lender criteria, costs, and risks so you can make informed decisions.
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Investing in property?
A buy-to-let mortgage helps you purchase a property to rent out to tenants.
Whether you’re a first-time landlord or expanding an existing portfolio, we’ll explain how buy-to-let mortgages work — including how affordability is assessed, what lenders look for, and the responsibilities involved in being a landlord.
Our role is to make the process clear. We’ll explain your borrowing options, assess affordability, and manage the application from start to finish — so you can focus on your longer-term property plans.
First time buyer mortgage guides
We have a vast number of Guides for “First Time Buyers in the guides section of our website.
3 Easy Steps to be Buy to Let Confident
Tell us about your property plans
Whether you’re buying your first rental property, remortgaging an existing investment, or expanding your portfolio, we’ll take the time to understand your goals and the type of property you’re considering.
Expert Advice
You’ll be matched with a dedicated adviser who specialises in buy-to-let lending. They’ll explain your options in plain English, compare deals across the market, and help you understand lender criteria, costs, and potential risks before you proceed.
Sit back while we do the hard work
We’ll manage the application and liaise directly with lenders, valuers, and solicitors where required. From paperwork to approval, we aim to keep the process clear and transparent — keeping you informed at every stage.
Download our FREE first time buyer’s guide
We’ll send you important industry news and information to keep you in the loop with what’s happening in the mortgage industry.
Which Type of Buy to Let Is Right for You?
Every investor’s goals are different. Whether you’re just starting out or growing your portfolio, we’ll help you find the right buy to let mortgage to suit your needs and long-term plans.
First-Time Landlord
Getting started in property investment? We’ll guide you through your first buy to let mortgage, explain how affordability is assessed, and make sure you understand every step before you commit.
Portfolio Landlord
Already own multiple properties? We’ll help you manage lending across your portfolio and explore specialist options to maximise your rental returns and borrowing power.
Limited Company Buy to Let
More landlords are buying through limited companies for tax efficiency. We’ll explain how these mortgages work, what’s different, and whether it suits your investment strategy.
Remortgage for Landlords
Looking to reduce costs or release equity? We’ll find competitive buy to let remortgage deals to help you lower payments, raise capital, or consolidate existing borrowing.
HMO and Specialist Properties
If you’re investing in HMOs, student lets, or multi-unit properties, you’ll need a specialist lender. We’ll match you with the right lender for complex or higher-yield investments.
Holiday Let Mortgages
Thinking of short-term rentals or Airbnb? We can help you secure a mortgage for a holiday let that meets lender criteria and suits your income approach.
What costs should you expect with a buy-to-let mortgage?
Buying a rental property involves more than just the deposit. Understanding the wider costs can help you plan with confidence.
Stamp Duty: Buy-to-let purchases usually attract an additional 3% stamp duty surcharge.
Deposit requirements: Typically around 20–25%, depending on lender and property type.
Arrangement and valuation fees: Charged by lenders and can vary based on loan size and property.
Tax considerations: Rental income and future sales may be subject to tax, depending on your circumstances.
Landlord insurance: Usually required by lenders to cover risks such as property damage or rent loss.
We recommend seeking independent tax advice if you’re unsure how tax rules apply to you.
Explore buy to let products
Buy to let remortgages
Remortgage your existing buy to let a better deal.
Buy to let remortgages
Remortgage your existing buy to let a better deal.
Buy to let remortgages
Remortgage your existing buy to let a better deal.
Buy to let remortgages
Remortgage your existing buy to let a better deal.
What our Customers say
Check what our customers are saying about us.
Customer experiences are individual and do not guarantee similar outcomes. Results depend on your circumstances and lender decisions.
Your Buy-to-Let Questions Answered
Can I live in my buy-to-let property?
No — buy-to-let mortgages are intended for rental properties only. If you plan to live in the property yourself, you would usually need a residential mortgage instead. Living in a buy-to-let property without lender consent could breach your mortgage terms.
How much deposit do I need for a buy-to-let mortgage?
Most lenders typically require a minimum deposit of around 25%, although this can vary depending on the lender, property type, and your circumstances. In some cases, a larger deposit may provide access to a wider range of mortgage options.
How is buy-to-let mortgage affordability assessed?
Buy-to-let affordability is usually assessed against the expected rental income rather than your personal income. Lenders often require the rent to cover around 125%–145% of the mortgage payment, depending on factors such as interest rates, tax status, and lender criteria.
Can I get a buy-to-let mortgage as a first-time buyer?
Yes, some lenders will consider first-time buyers for buy-to-let mortgages. However, criteria are often stricter and may include higher deposit requirements and additional affordability or credit checks.
What happens if my rental property is empty?
You remain responsible for your mortgage payments even if the property is unoccupied. Many landlords choose to maintain a financial buffer to help cover mortgage payments and other costs during void periods.
Do I pay more tax on a buy-to-let property?
Rental income is generally subject to income tax, and capital gains tax may apply if you sell the property at a profit. Tax treatment can vary depending on your personal circumstances and whether the property is held personally or through a limited company. We recommend seeking independent tax advice.
What’s the difference between individual and limited company buy-to-let?
With individual buy-to-let, the property is owned in your personal name. Limited company buy-to-let involves purchasing through a company structure, which may offer different tax treatment and lender options. We can explain how each approach works and help you consider which may be suitable for your situation.
Can I remortgage my buy-to-let to raise capital?
Yes, some landlords choose to remortgage in order to release equity for property improvements or further investment. Availability and terms depend on factors such as rental income, property value, and lender criteria.
How long are buy-to-let mortgage terms?
Buy-to-let mortgage terms commonly range from around 5 to 35 years. You can usually choose between fixed-rate or variable-rate products, depending on lender availability and your preferences.
Do I need specialist insurance for buy-to-let?
Yes — most lenders require landlord insurance as a condition of a buy-to-let mortgage. This typically covers risks such as property damage and public liability, and may include options for loss of rent cover.