Buy to let
Mortgage advice for landlords.
Buy-to-let lending works differently to a residential mortgage. Lenders look closely at the rental income the property is expected to produce, as well as your own position. We explain how that assessment works and which lenders may fit your plans.
Who this is for
- You are buying your first investment property
- You already own rental property and want to add to it
- You are remortgaging a buy-to-let as a deal ends
- You hold property personally or through a limited company
- You are a landlord based in London or elsewhere in the UK
How we help.
Understanding the assessment
We explain how lenders test expected rental income against the mortgage payment, and how that shapes what you can borrow.
Personal or company ownership
Some landlords hold property personally, others through a limited company. We explain how lender criteria differ. Tax treatment is a matter for your accountant.
Comparing lenders
Buy-to-let criteria vary widely between lenders. We compare across the market and explain the options that suit the property and your circumstances.
Remortgaging investment property
We review existing buy-to-let deals as they end and handle the switch.
Worth knowing
before you start.
- Deposit requirements on buy-to-let are usually higher than on a residential mortgage.
- Rental income assumptions are set by the lender, not by you.
- Property costs, void periods and maintenance all sit outside the mortgage.
- Speak to an accountant about the tax side of letting property.
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
Not all investment mortgages are regulated by the Financial Conduct Authority.
What happens next
Start with a conversation.
Tell us what you are planning. We will explain the options, tell you what we need, and aim to come back to you the same day.
Common questions
Yes. We advise landlords on buy-to-let purchases and remortgages, including limited company applications.
Not all investment mortgages are regulated by the Financial Conduct Authority. We will tell you clearly where your case sits.
Related mortgage advice
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Letting out your current home and buying another? Let-to-buy involves two mortgages at once. We handle both.
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HMO mortgages
Houses in multiple occupation have their own lending criteria. We advise landlords buying and refinancing HMOs.
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Remortgage advice
Deal ending, or circumstances changed? We review the market and explain what your options actually mean.
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Let's talk about
your mortgage.
Tell us what you're planning. We'll explain what happens next and aim to come back to you the same day.
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.