Buy-to-Let
Let’s make your property investment work smarter.
Looking to invest in property? A buy-to-let mortgage is designed for landlords who want to purchase property to rent out. Whether you're a first-time investor or growing your portfolio, we’ll help you find the right deal to match your goals.
We offer expert advice on:
- Individual buy-to-let mortgages
- Limited company buy-to-let options Many landlords now choose to buy through a limited company for potential tax benefits and long-term flexibility. We’ll help you understand the pros and cons and find lenders who support this structure.
With access to a wide range of lenders, we’ll guide you through the process from understanding rental income requirements to securing a competitive rate.
We’re unable to provide tax advice. We would always suggest you seek independent advice
THE FINANCIAL CONDUCT AUTHORITY DO NOT REGULATE SOME FORMS OF BUY TO LET. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Do I need a larger deposit for buy-to-let?
Yes, typically 20–25% is required, though some lenders may accept less with higher interest rates.
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Can I use rental income to qualify?
Yes, lenders assess affordability based on expected rental income, not just your personal income.
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Are there tax implications?
Yes, especially since mortgage interest tax relief has changed. We recommend speaking to a tax adviser.
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Can I live in a buy-to-let property?
No, buy-to-let mortgages are for rental properties only. Living in the property would breach the mortgage terms.
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What is a rental stress test?
Lenders use this to ensure the rental income covers the mortgage payments, often requiring 125–145% coverage at a notional interest rate.
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Can I get a buy-to-let mortgage as a first-time buyer?
It’s possible but more difficult. Lenders may require a larger deposit and strong financials.
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Should I buy as an individual or through a limited company?
Both have pros and cons. Buying through a limited company may offer tax advantages but comes with higher costs and complexity. We recommend speaking to a tax adviser.
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Do I need to own a property already?
Not always, but it can improve your chances of approval and access to better rates.
