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Buy to Let Mortgage

A buy to Let mortgage can be a great way to invest in a property. If you’re considering buying a buy-to-let property, our comprehensive guide is here to help provide the answers you need. So read on for everything you need to know about buy-to-let mortgages and don’t hesitate to contact us for any further advice.

To help you to get on the property ladder, we will find the most appropriate product for you.

Buy to Let Mortgages Working Process

Whether you are looking to invest in buy to let properties for the potential income, or you’re more geared towards potential capital appreciation, we can advise you on the best product to choose.

Buy to Let New Purchase

When considering a buy-to-let property, research rental demand in the area, evaluate potential rental income, and factor in costs such as property management, maintenance, and insurance.

Buy to Let Remortgage

If you already own a rental property, consider remortgaging to potentially secure better interest rates or release equity for other investments. Evaluate the costs involved in remortgaging.

Limited Company Buy to Let

Investing in rental properties through a limited company can have tax implications and potential benefits. Seek professional advice to understand the legal and financial aspects.

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Who Qualifies for a Buy to Let Mortgage?

Buy-to-let mortgages are available to anyone over 18 who qualifies for the loan. However, lenders impose stricter criteria for buy-to-let mortgages than standard residential mortgages.

In addition to providing proof of income and identity, prospective landlords must demonstrate that the rent earned from their buy-to-let property will cover at least 125% of their mortgage payments. For higher-rate tax-payers, this amount is typically 145%. Furthermore, most lenders also require landlords to have a minimum deposit of 20-25% when buying a buy-to-let mortgage.

What Services We Offer?

As part of the buy to let mortgage process, we ask you to supply key information about yourself and your finances. We can also use this information as the basis of an application for personal or property insurance in the future, such as specialist buildings and contents insurance. Plus, we can talk to you about the costs involved in having a professional agent manage the tenancy, if you’re not planning on doing it yourself.

Please note that the Financial Conduct Authority does not regulate some aspects of buy to let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.