Buy-to-Let Mortgages

If you are planning to buy a property to rent out you will need a buy-to-let mortgage. As many existing landlords already know, this market has changed considerably over the last few years. For example, taxation is an important consideration, so, will you buy in your own name or create a Ltd Company to own the asset? Let us help you compare the options.

Buy-to-Let property can be a welcome asset for a landlord with a portfolio of properties or someone looking at investing in their first property.

We can help you find a competitive Buy-to-let mortgage from our comprehensive range of products from a panel of lenders whether you are buying an investment property or remortgaging an existing one.

If you are thinking of buying a property to let, the mortgage is one of the most important considerations. Many banks and building societies offer buy-to-let mortgages, specifically for landlords as you cannot take out a standard residential loan.

Buy-to-let mortgage rates

Buy-to-let mortgage rates vary and are dependent on the risk of the mortgage to the lender as well as the deposit available for an individual to put down. Buy-to-let mortgages rates are often higher than residential rates.

With a buy-to-let loan, mortgage lenders will look at the expected rental income and some may require a minimum earned income too.

You can usually choose between a range of mortgage deals, including fixed rate and tracker loans.

A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Conduct Authority does not regulate most forms of buy to let mortgage.