Looking to invest in property and become a landlord? Buy-to-let mortgages are tailored to meet your needs, whether you're a seasoned investor or just starting out.
Competitive rates with deposits from 25%
Lower monthly costs with interest-only payments
We compare deals from the whole of market
Solutions for single properties or portfolios
With the option of interest-only payments, you can enjoy lower monthly costs — but the full mortgage amount will need to be repaid at the end of the term.
Lenders will assess your rental income to ensure it covers at least 125% of your monthly mortgage payments. You'll typically need a deposit of between 25% and 40% of the property's value.
Whether you're purchasing your first investment property or expanding a portfolio, we search the whole market to find the most competitive buy-to-let deals tailored to your circumstances.
From limited company structures to HMOs and multi-unit blocks, our advisors have experience across all types of buy-to-let investment.
From investment strategy to completion — we handle the complexity so you can focus on your portfolio.
We arrange an appointment at a time that suits — face-to-face, video call, or phone — to understand your circumstances and needs.
We search our panel of 100+ lenders for the right product. We're not tied to any lender, giving you access to the best deals.
We present the best option, explaining all features and benefits — no jargon, no pressure.
From application to completion, our team handles everything and keeps you updated throughout.
Understanding these factors will help you make informed decisions about your investment property.
Buy-to-let mortgages typically require a deposit of 25–40% of the property value. A larger deposit unlocks better interest rates and increases your rental yield.
Lenders require your expected rental income to cover at least 125% of mortgage payments. We'll help you assess whether a property stacks up financially before you commit.
As a first-time buyer, you pay no stamp duty on properties up to £300,000 and a reduced rate on properties up to £500,000 — saving you thousands.
Most buy-to-let mortgages are interest-only, keeping monthly costs low. You'll need an exit strategy to repay the capital — usually selling the property or refinancing.
Specialist landlord insurance covers buildings, contents, liability, and loss of rent. It's essential protection for your investment and often required by lenders.
Rental income is taxable, and mortgage interest relief has changed in recent years. We recommend speaking to a tax advisor alongside your mortgage planning.
Answers to the questions we hear most from property investors.
A buy-to-let mortgage is designed specifically for properties you intend to rent out rather than live in. They typically require larger deposits, have slightly higher interest rates, and are assessed based on expected rental income rather than just personal earnings.
Most buy-to-let lenders require a minimum deposit of 25% of the property value. Some specialist lenders may accept 20%, while 40% or more will give you access to the most competitive rates. The more equity you have, the better your options.
Yes, some lenders do offer buy-to-let mortgages to first-time buyers, though the options are more limited. You'll typically need a larger deposit and a strong income. Our whole-of-market access means we can find lenders who specialise in this area.
Buy-to-let properties attract a 5% surcharge on top of standard stamp duty rates (from April 2025). For example, on a £250,000 buy-to-let, you'd pay £15,000 in stamp duty. We'll calculate the exact figure for your investment as part of our advice.
Yes, purchasing through a limited company (SPV) is increasingly popular for buy-to-let investors due to tax advantages on mortgage interest relief. We work with lenders who offer competitive limited company buy-to-let products.
A gross rental yield of 5–8% is generally considered good, though this varies by location and property type. Lenders typically require the rental income to be at least 125% of your mortgage payments at a stress-tested rate. We'll help you assess whether a property meets these requirements.
Book a free, no-obligation consultation with one of our expert advisors. We'll help you find the right buy-to-let mortgage for your investment goals.
