Buy to let mortgage advice.

Providing expert advice to people looking to get a mortgage on a property for the purpose of renting it out.

Help from start to finish.

Once you choose us, you're our client for life. We will help you every single step of the way.

Around the clock support.

Offering flexible options to meet your requirements, after work or evening appointments and more.

Access to a panel of lenders.

We have access to a huge range of different lenders, meaning, we're able to source deals you can't find on the high street.

What is a buy to let mortgage?

Buy-to-let (BTL) mortgages are typically for landlords who want to buy property to rent it out. The rules around buy-to-let mortgages differ from those around regular residential mortgages.

You can learn more below.

The buy to let process.

The process for a BTL mortgage is very similar to a residential. You will need to prove your identity with various forms of ID. A credit check will be completed to prove credit worthiness. You will also be required to provide proof of deposit via statements and income via payslips or accounts if self-employed. Your lender may also ask for other various documents such as utility bills, employment contact, P60 and other documents to help them come to a lending decision.

What are the rules around a BTL?

Most Buy to Let mortgages are interest only. This means that the monthly repayments will only pay off the interest, not the amount owed on the mortgage (known as capital). Instead, the capital will be paid off in full at the end of the agreed term. You’ll usually need a bigger deposit than for a residential mortgage. You’ll likely need at least a deposit of 25% of the house value. In addition, most lenders will want to see a rental income of 25% to 30% over and above your monthly repayments.

Frequently asked questions.

Typically, you will need a minimum of a 25% deposit to secure a BTL mortgage. However, this is based on your personal circumstances and it’s always best to speak to a specialist to discuss your options.

The simple answer is yes. However, this again is based on your personal circumstances. There are lenders available for adverse credit, however, you will need to discuss this in detail with a specialist to ensure it’s the right time to buy.

Yes, this is certainly possible. There are specific lenders who will lend on this basis, but you will need to fit within their criteria. It’s always best to discuss this with a specialist to ensure you have the best options open to you.
Congratulations, time is of the essence and you need to contact us now to get the ball rolling and secure that investment opportunity. Our specialist will guide you through every stage giving you the best chance of securing your deal.

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Try our helpful calculators.

We have a series of calculators, for you to use, for free. Helping you plan, budget and work out how likely you are to need protection.

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