Buy to Let Mortgages
Finance for people looking to buy or remortgage investment properties
From your first rental to a full portfolio
- First-time landlords purchasing their first investment property
- Portfolio landlords with multiple properties seeking better rates
- Limited company (SPV) buy to let mortgages for tax efficiency
- HMO (Houses in Multiple Occupation) mortgages
- Multi-unit freehold block (MUFB) finance
- Holiday let and short-term rental mortgages
Frequently asked questions
Yes. Many landlords purchase via an Single Purpose Vehicle (SPV) for tax efficiency. We'll help you decide which structure suits your situation in conjunction with a tax adviser
Lenders typically require rental income to cover 125–145% of the monthly mortgage payment, depending on your tax band, property type and personal income.
Most lenders require existing homeownership, but some specialist lenders will consider first-time buyers. We'll identify who's suitable.
Buy to Let mortgages often carry arrangement fees from the lender. We'll provide a full cost breakdown before you commit to anything. We can help you accurately calculate which is the most competitive mortgage deal for you, based on the true cost of the product, including fees.
Discuss your investment plans
Talk to a Buy to Let specialist — free, no obligation.
Some buy to let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage.