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Buy to Let Mortgages

We’re working with Mortgage Advice Bureau to help you find the best mortgage deal by comparing 1000’s of mortgages from over 90 different lenders.


Buy to Let mortgages are specially designed for people who want to invest in property to let out and generate income.

When you buy property as an investment, you won’t be able to fund your purchase with a normal residential mortgage. Instead, you’ll need a specialist buy to let mortgage.

Many buy to let mortgages are provided on an interest only basis. So in the short term, your outgoings will be less each month, but you’ll need to pay off the full loan or refinance at the end of your mortgage term.
You’ll need a deposit of at least 25% of the value of the property. The bigger the deposit you put down, the better the rate you may be able to get.

The amount of rent you can charge depends on the type of property you choose, how you furnish it, who you are attracting as tenants and the market at that time.

Choosing the right buy to let mortgage

There are three types of buy to let mortgages:

Regulated buy to let
This type of mortgage is for a property that you or a member of your family will occupy either now or in the future.

Consumer buy to let
These are mortgages for people who let out a property, but did not plan to and have become ‘accidental landlords’.
It happens when the property has been inherited or when the owner, having previously lived in the property, is unable to sell it and chooses to let it out.

Business buy to let
This buy to let mortgage is suitable for when you purchase property purely as a commercial decision to generate income. If you wish to invest in a holiday home or property to take advantage of holiday rental rates, we also offer a Holiday Buy to Let mortgage

Top tips for successfully buying to let

Work out your budget

Know how much you’ll have to spend before you start looking for a buy to let property. Generally speaking, the minimum income requirement is usually £25,000 for a buy-to-let mortgage application. You’ll also need enough for a deposit so it makes sense to start saving.

Do your research

Before you sort out the mortgage you’ll need to take some time to research the type of property you’re going to buy and the area it’s in. Are your ideal tenants young professionals or a family?

Some buy-to-let investors look for properties near where they live, thinking that it will be easier to keep an eye on it. It’s often a good idea to consider places with excellent commuting links. University towns make perfect sense if you’re focusing on a student let.

Take a wider view

Consider properties that need improvement or renovation. This is an effective way of boosting the value of your investment.

Go and see properties at different times of the day, and take pictures or even videos on your phone so you can refer back to what you saw later, to compare with other potentials.

If you’re interested in finding out more about Buy to Let mortgages our mortgage experts can help you. Simply call 01664 494100 or visit our Mortgage Advice Bureau website.

Search for your next mortgage with Mortgage Advice Bureau

To book an appointment please call 01664 494100 or take a look at our Mortgage Advice Bureau website where you can also see the latest deals, access mortgage calculators, meet the team, get expert advice and much more.

Following the Bank of England Base Rate increases, our Standard Variable Rate is due to increase from 4.99% to 5.39% with effect from 1st June 2022.

Please also bear with us as our telephone lines will be busier as we help our customers