For Landlords

    Buy to Let mortgages, without the guesswork.

    Whether it is your first investment property or you are growing a portfolio, the right Buy to Let mortgage depends on the property, the rent, your tax position and your long-term plan. We help landlords structure each purchase properly from day one.

    • First-time landlords. Lenders we work with do consider applicants new to letting.
    • Personal or limited company. We help you weigh up the options with your accountant.
    • HMOs and multi-unit. Specialist criteria for higher-yielding property types.
    • Portfolio landlords. Structured advice for landlords with four or more mortgaged properties.
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    The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
    Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

    FAQ

    Buy to Let mortgage questions

    What landlords most often want to know before applying.

    How much can I borrow on a Buy to Let?
    Borrowing is mainly driven by the rent the property is expected to achieve, assessed against the lender's interest coverage ratio and a stressed interest rate. Personal income, the property type and your tax band can also affect the figure. A typical maximum loan-to-value is 75 to 80 percent for standard Buy to Let.
    Should I buy in my personal name or through a limited company?
    Both routes are common and have different tax, mortgage cost and administrative implications. Limited company purchases through a Special Purpose Vehicle (SPV) can be more tax-efficient for higher-rate taxpayers but typically come with slightly higher rates and lender fees. We are not tax advisers, so we always recommend coordinating with a qualified accountant before deciding.
    Do I need a deposit of at least 25 percent?
    Most Buy to Let mortgages require a deposit of around 20 to 25 percent. Higher deposits typically unlock better rates. There are products available at higher loan-to-values from some lenders, although choice and terms become more limited.
    Can I get a Buy to Let if I do not own my own home?
    It is possible but more limited. Most lenders prefer Buy to Let applicants to already own a residential property. Some specialist lenders will consider first-time buyer landlords, usually with stricter criteria around income and deposit.
    What about HMOs, multi-unit blocks or holiday lets?
    These are specialist property types and require lenders comfortable with the additional risk and management considerations. Rates and fees are typically higher, but yields can be too. We will work out which lenders fit your specific scenario and help you compare the true cost.
    Do you advise portfolio landlords?
    Yes. Lenders define a portfolio landlord as someone with four or more mortgaged Buy to Let properties. Underwriting is more involved, often requiring a portfolio schedule, business plan and cash-flow projections. We help structure submissions to fit each lender's criteria.
    Are Buy to Let mortgages regulated?
    Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Consumer Buy to Let mortgages, which apply in certain personal circumstances such as inheriting a property you let to a family member, are regulated. We will tell you upfront which type applies to your situation.

    Planning your next Buy to Let?

    Share the basics, property, expected rent, deposit and how you want to hold it and we will tell you what is realistic and what to think about.

    Get in Touch

    Ready to get started with your mortgage?

    Tell us a bit about your plans and we'll be in touch to guide you through your options. We aim to respond within 20 minutes!

    Ves Doctorov

    Ves Doctorov Cert SMP

    Owner & Principal Mortgage Adviser

    07554 663 631ves@themortgageleague.co.uk
    25 Constable Close, Reading, Berkshire, RG5 4US
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