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All you need to know

Buy-to-let (BTL) mortgages are for landlords who buy property to rent it out. The rules around buy-to-let mortgages are similar to those around regular mortgages, but there are some key differences.

Who can get a buy-to-let mortgage?

  • You want to invest in houses or flats

  • You can afford to take a risk: investing in property is risk, so you shouldn't take out a BTL mortgage if you can't afford to take that risk.

  • You already own your own home: You'll struggle to get a buy-to-let mortgage if   you don't already.

  • You have a good credit record and aren't stretched to much on your other borrowings otherwise you might struggle to get a lender to approve your Buy-to- Let mortgage.

  • Your under a certain age: lenders have upper age limits, typically between 70 or 75. This is the oldest you can be when the mortgage ends not when it starts.

Buy-to-let mortgages are a lot like ordinary mortgages, but with some key differences;

  • The arrangement fees tend to be higher

  • Interest rates on buy-to-let mortgages are sometimes higher

  • The minimum deposit for a buy-to-let mortgage is 25% of the property value

  • Most BTL mortgages are interest-only. this means you don't pay anything off the loan, but at the end of the mortgage term you can repay the capital in full.

  • The maximum you can borrow is linked to the amount of rental income you expect to receive

All our mortgage advisers have access to a large number of lenders and products and are fully committed to the principals laid down by the Financial Conduct Authority (FCA) and their ‘Treating Customers Fairly’ (TCF) initiative.

You’ll be provided with all the information you need to allow you to make an informed decision about your next step.

We look forward to hearing from you. For your own peace of mind, it pays to get professional advice. Read our Reviews for our 5* feedback from our clients so you can be sure you are recieving trusted advice.

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