Buy-to-let

Invest in property with clarity and confidence.

Expert guidance to secure the right buy-to-let mortgage

Whether you’re investing for the first time or growing your portfolio, we’ll help you find a buy-to-let mortgage that supports your goals as a landlord.

Buy-to-let mortgages often include interest-only options, which can reduce monthly payments — though the full balance will be due at the end of the term. Lenders will also check that your projected rental income covers roughly 125% of your monthly mortgage payments.

Most lenders require a deposit of 25%–40% of the property value. We’ll walk you through the criteria, explain your options clearly, and help you secure a competitive deal to maximise your long-term returns.

4 Steps to Comparing Your Mortgage

Finding the right mortgage doesn’t have to be complicated.

Step 1

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Step 2

Look Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Step 3

Plan Ahead

Your mortgage should fit your future plans, not just today.

Step 4

Get Expert Guidance

Personalised advice ensures you choose the right deal with confidence.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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STILL NOT SURE?

Frequently Asked Questions

1. What is a buy-to-let mortgage?

A buy-to-let mortgage is designed for people who want to purchase a property to rent out to tenants. It works differently from a standard residential mortgage, with lenders assessing rental income as well as your personal finances.

2. Who are buy-to-let mortgages for?

They are suitable for anyone looking to become a landlord — whether you're a first-time investor or building an existing portfolio.

3. Are buy-to-let mortgages different from other mortgage types?

Yes. They typically have different affordability checks, higher deposit requirements, and often offer interest-only repayment options.

4. How much can I borrow for a buy-to-let mortgage?

The amount depends on the rental income the property can generate. Most lenders require the rent to cover around 125%–145% of the monthly mortgage payment.

5. Can I get a buy-to-let mortgage for the home I live in?

No. Buy-to-let mortgages are only for properties you intend to rent out. Your own home must be financed with a standard residential mortgage.

6. How many buy-to-let mortgages can I have?

There’s no fixed limit, but each application will be assessed individually. Your income, existing mortgages, and rental coverage will determine how many you can take on.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: [XXXXXXX].