Buy-to-let mortgages
From your first rental property to a growing portfolio — personally or through a limited company — we'll find lenders that suit your plans.
Finance for landlords
Buy-to-let lenders look mainly at the rent the property will earn, as well as your own circumstances. Criteria vary a lot, especially for limited companies, HMOs and portfolio landlords.
How we help
- Personal and limited-company buy-to-let
- Remortgages to release equity for your next purchase
- Portfolio landlords
- Let-to-buy when you keep your current home and rent it out
Questions people ask
Should I buy through a limited company?
It depends on your tax position. We'll explain the mortgage side and recommend you speak to an accountant about tax.
How much deposit do I need for a buy-to-let?
Usually at least 25% of the property's value, though some lenders accept less and a bigger deposit often gets you a better rate.
How do lenders work out how much I can borrow?
Mainly on the expected rent. Most lenders want the rent to cover the mortgage payment by a set margin, often somewhere between 125% and 145% depending on the rate and your tax position. Some will also look at your personal income.