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Buying to let mortgage

A buying-to-let mortgage is designed for borrowers who want to invest in the property market and purchase a property to rent out to tenants.

A buy-to-let investment can be viewed as a long-term opportunity for profitable returns and as a way of securing finance for retirement.

There are many competitive mortgage deals available that are specifically aimed at those buying to let.

When you take out a buy-to-let mortgage, you will be expected to meet certain criteria:

  • you will be required to put down a deposit (typically larger than for a standard residential mortgage) – roughly 25% of the property’s value
  • your expected rental income will usually need to exceed your mortgage repayments by a certain percentage – e.g. your lender may require a rental income of 125% of your monthly mortgage payments. However, some lenders are more flexible.

We have experience of working with a range of buy-to-let customers, whether buying their first property or their 50th.

Clients who have more than five buy-to-let properties need advisors who are experienced in placing this type of business.

We have personal relationships with a range of lenders that offer clients this type of financing.

Please remember that it is the borrower’s ultimate responsibility to ensure that the mortgage payments are made, whether there is a tenant in the property or not.

If you are looking for a service all under one roof, we also offer a letting service, so we take all of the hassle out of arranging the finance and then arranging the let, see here for our lettings services.

If you really don’t want to do any of this yourself! Then we also offer a portfolio building service, where we source the properties for you, negotiate, see all the way through to completion and then have tenants lined up to rent your property.

For more information on this service, visit here.

If you are looking for a buy to let mortgage UK, talk to our expert mortgage advisors on 01869 248339 or email

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