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Make property investment simple with buy to let mortgage advice. We can help with:
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A buy-to-let mortgage is a loan used by landlords buying a property to rent out. A buy-to-let mortgage is often shortened to BTL mortgage. The other type of mortgage available is a residential mortgage, these are loans for people buying a new home to live in.
A buy-to-let mortgage is usually on an interest only basis designed to keep the monthly payments to a minimum. Buy-to-let mortgages also lend to a maximum of around 80% loan to value, meaning a minimum of 20% deposit is required by the landlord.
Buy-to-let mortgages are classed as specialist lending products as they are classed as higher risk of repossession by the lender. Buy-to-let mortgages are harder to get accepted for than residential mortgages.
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Buy-to-let mortgages work by allowing new or existing landlords funding to buy or remortgage their investment properties. Here is a list of the typical buy-to-let mortgage customer types we help:
Buy-to-let mortgage rates are typically higher than with residential mortgages and a larger deposit of 20%+ is required for new purchases. Often, existing landlords choose to do a buy-to-let remortgage to raise funds towards a deposit for a new purchase.
It’s always a good idea for a buy-to-let mortgage landlord to work alongside both an experienced mortgage broker and their accountant to receive complete advice. Buying in a sole or limited company name will have different tax outcomes.
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We help both new and existing landlords with all their buy-to-let mortgages needs. Nowadays, buy-to-let mortgages is a specialist area of lending, therefore experience and in-depth knowledge of lending criteria by your broker is vital.
Our dedicated buy-to-let mortgage broker team will handle all your enquiries and applications through to completion including:
We have many returning buy-to-let mortgage landlords who regularly get in touch for a review or to refinance.
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Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
Read More on Buy to let Mortgages
Securing a buy-to-let mortgage requires a different approach compared to a residential mortgage. Lenders assess applications based on expected rental income rather than just personal earnings, ensuring the mortgage is affordable. At UK Moneyman, our mortgage advisors help landlords navigate this process by comparing deals from different lenders and guiding them through the application.
Most lenders require a deposit of at least 25%, but requirements vary depending on circumstances. They will also review your credit history, income, and any existing properties. Some lenders prefer applicants who already own a residential home, but there are options for first-time landlords. Working with a mortgage broker in buy-to-let can help secure the most suitable mortgage deal for your investment plans.
There is no fixed limit on the number of buy-to-let mortgages you can hold, but lenders set their own policies based on affordability and risk. Some specialise in portfolio landlord mortgages for those with larger portfolios, while others prefer those with fewer properties.
If you own four or more mortgaged buy-to-let properties, lenders will class you as a portfolio landlord. This means they will assess the rental income and financial sustainability of your entire portfolio before approving further borrowing. Our team at UK Moneyman helps landlords find lenders who are willing to support portfolio growth and expansion.
A buy-to-let mortgage is specifically designed for landlords who want to rent out a property. Lenders base their decision on the expected rental income, which must typically cover the mortgage payments by at least 125–145%, depending on tax status and lender criteria.
Most landlords choose interest-only buy-to-let mortgages, where the monthly payments cover only the interest, leaving the loan balance unchanged. At the end of the term, the mortgage must be repaid, often through selling the property or remortgaging. Repayment mortgages are also available, allowing landlords to gradually clear the loan. Our mortgage advisors at UK Moneyman can help determine which mortgage structure works best for your investment strategy.
Buy-to-let mortgages come with several costs beyond the deposit. Lenders typically charge arrangement fees, valuation fees, and in most cases, a higher interest rate compared to residential mortgages. There are also legal costs and a stamp duty surcharge on additional properties.
Ongoing expenses include landlord insurance, maintenance costs, and potential void periods when the property is unoccupied. Rental income is subject to taxation, so landlords should also factor in tax obligations. Our mortgage advisors at UK Moneyman help landlords understand the full financial picture and find competitive mortgage deals.
If you currently own a property with a residential mortgage and want to rent it out, you will need your lender’s approval. Some lenders allow short-term rental under a consent-to-let agreement, but if you plan to let the property long-term, you may need to remortgage to a buy-to-let mortgage.
Lenders will assess the potential rental income before approving a switch. The new mortgage may come with different terms, including a higher interest rate and deposit requirement. Our team at UK Moneyman can help you explore remortgage options and find lenders who offer competitive buy-to-let deals.
Most lenders require a deposit of at least 25% for a buy-to-let mortgage, though this varies depending on your circumstances. Some lenders accept a lower deposit, while others may require 30% or more, particularly for first-time landlords or those with complex financial backgrounds.
A larger deposit often secures better interest rates, as it reduces the lender’s risk. Loan-to-value ratios vary between lenders, so it is worth comparing options. At UK Moneyman, our mortgage advisors help landlords find suitable lenders based on their deposit and borrowing needs.
Buy-to-let mortgages are available to a range of applicants, but lenders have specific criteria. Many prefer landlords who already own a residential property, but some will consider first-time buyers.
Eligibility depends on credit history, financial stability, and rental income potential. Some lenders also require applicants to meet a minimum personal income threshold. At UK Moneyman, we help landlords find lenders that fit their circumstances, whether they are experienced investors or entering the market for the first time.
The right choice depends on your investment goals. Interest-only buy-to-let mortgages have lower monthly payments, allowing landlords to maximise cash flow. However, the loan balance remains unchanged, meaning a repayment strategy is required for the end of the term.
A repayment buy-to-let mortgage ensures the property is fully owned by the end of the mortgage term, reducing long-term borrowing costs. Our mortgage advisors at UK Moneyman help landlords weigh up their options and find the best mortgage to suit their financial plans.
Equity release on a buy-to-let property is possible through a remortgage. Landlords can release equity by borrowing against the increased value of their property, using the funds for reinvestment or other financial needs.
Not all lenders offer equity release on buy-to-let properties, so it is important to compare options. At UK Moneyman, we help landlords explore available routes for accessing equity while ensuring they secure the most suitable mortgage deal.
If you intend to rent out a property, a buy-to-let mortgage is usually required. Standard residential mortgages do not allow long-term letting without lender permission, so switching to a buy-to-let mortgage ensures compliance with mortgage terms.
For those purchasing a property solely for rental purposes, a buy-to-let mortgage is the most suitable option. Our team at UK Moneyman can help determine whether a buy-to-let mortgage is necessary and find a lender that matches your needs.
Lenders typically require a deposit, proof of rental income potential, and a strong credit history when assessing buy-to-let mortgage applications. Some also have minimum personal income requirements, even if rental earnings are expected to cover the mortgage.
Affordability assessments focus on ensuring that rental income is enough to cover mortgage payments with a sufficient buffer. At UK Moneyman, our mortgage advisors help landlords prepare applications and find lenders that match their financial situation.
Approval depends on meeting lender requirements, including deposit size, rental income, and financial background. For experienced landlords with stable rental income, the process is often straightforward. First-time landlords or those with complex financial situations may find it more challenging, but our team at UK Moneyman can help navigate lender criteria and find suitable options.
Buy-to-let mortgage interest rates tend to be higher than residential mortgage rates, as lenders see them as a higher risk. The overall cost will depend on whether the mortgage is interest-only or repayment, as well as the loan amount and fees involved.
Other costs include valuation fees, legal fees, and potential stamp duty charges. Comparing mortgage deals with a mortgage broker in buy-to-let can help secure the most competitive rates. Our team at UK Moneyman works with a range of lenders to help landlords find cost-effective mortgage solutions.
A buy-to-let mortgage is the most common way for landlords to finance rental properties, but it is not the only option. Some investors choose to purchase property outright using savings, avoiding mortgage costs and interest payments. Others look for joint ventures, where multiple investors pool resources to fund a property purchase, reducing individual borrowing requirements.
For those looking to secure a property quickly or renovate before letting it out, bridging loans can be an alternative. A bridging loan provides short-term financing, allowing landlords to buy a property that may not yet be mortgageable, such as one in need of refurbishment. Once the work is complete, the property can be refinanced onto a standard buy-to-let mortgage. This approach is often used by investors purchasing properties at auction or those aiming to add value before renting out.
Another option is a part-and-part mortgage, which combines elements of repayment and interest-only borrowing. This can offer a balance between lower monthly payments and gradual debt reduction. Commercial mortgages are also available for landlords looking to invest in multiple units, houses in multiple occupation, or mixed-use properties.
Choosing the right financing method depends on investment goals and financial circumstances. At UK Moneyman, our mortgage advisors help landlords explore the full range of options, ensuring they find a solution that suits their property plans.
We're flexible to work around your busy schedule, we work beyond the general 9-5 in order to be there when you need us.
You won't have to pay us before we do anything! We only ask for payment once we get results.
You'll always have the same case manager to help work alongside you throughout the entire process.
Sometimes new or existing landlords need some additional support. We’ll be to support you throughout the entire process.
Our team will recommend suitable insurance products to ensure you can stay in your home should you become seriously ill and unable to work.
Our mortgage advisors will search the market for the most suitable buy-to-let mortgage to match your current circumstances, saving you time and money.
Having been in the industry for over 20 years, we have helped many landlords obtain a buy-to-let mortgage. There's hardly a situation that we haven't come across before.
Throughout the mortgage process, we will help you overcome any hurdles you encounter like issues with property surveys and down valuation.
Due to buy-to-let mortgages being more based around rental income, usually a longer term is acceptable by the lenders. Typically, proving you have experience being a landlord and good income a mortgage over the age of 70 to 80 is possible.
If it’s a residential property, there are over 50s mortgage options and over 60s mortgage additional options available such as retirement interest only mortgages and equity release.
Most buy-to-let mortgage deals are on an interest only basis, this keeps the costs to a minimum for the landlord to maximise profits.
At the end of the mortgage term, the lender will write you and request the full loan amount to be repaid as a lump sum. This can be from savings, a pension lump sum, a remortgage, or the sale of the property.
With interest only buy-to-let mortgages rates can be fixed or variable, just like with a repayment mortgage for peace of mind and budget planning. Product transfer mortgage deals may also be available with your existing lender once the fixed rate ends.
A buy-to-let bridging loan or often called, bridging finance, is a short-term borrowing facility designed to ‘bridge a finance gap’. A buy-to-let bridging loan typically is agreed up to a maximum of 12 to 24 months. Usually, a buy-to-let bridging loan is repaid with a buy-to-let remortgage.
A buy-to-let bridging loan can be set up quickly and act as a ‘chain break’ until a property is sold, or a new mortgage has been arranged. They are often used in property transactions when timing is crucial, they can be set up in a matter of days.
In our experience, a bridging loan is often used by investment property owners looking for development options or high-end residential purchases to plug a gap with a sale and a purchase.
We usually advise clients to factor the cost of bridging into their return-on-investment calculations to get a clear picture of whether it’s worth the additional fees.
A buy-to-let secured loan, also known as a second charge or a second mortgage, is a type of loan that allows buy-to-let landlords to borrow money against the equity they have built up.
The more equity you have in your investment properties, usually, the more you’ll be able to release via a buy-to-let secured loan.
The interest rate of a buy-to-let secured loan will be slightly higher than a mortgage due to the higher risk involved by the lender. However, the interest rate on a buy-to-let secured loan is usually cheaper than an unsecured regular personal loan.
The first charge of the property will be held by the primary mortgage company. In the event of repossession, the first charge mortgage will be repaid first from the proceeds followed by any secured loan or subsequent charges.
An HMO (House in Multiple Occupation) buy-to-let mortgage is a type of loan specifically designed for properties that are classified as HMOs.
HMO buy-to-let mortgages can be in your personal or limited company name depending on your preference or tax situation.
HMOs are properties that are rented out to multiple tenants who aren’t from the same household, usually sharing facilities like bathrooms and kitchens. HMO properties will have multiple tenancy agreements in place as opposed to single one with a traditional buy-to-let property.
Lots of rules and regulation surrounds the HMO property buy-to-let market detailing who can live in them and the way they operate.
Buy-to-let HMO mortgages are classified as higher risk lending compared with standard buy-to-let mortgages to lenders due to the higher renovation and legal costs involved and the availability of HMO letting agents. HMOs are usually managed by the landlord themselves in multiple numbers as their main living.
A buy-to-let further advance mortgage works by allowing the landlord to release money from a property for various reasons without remortgaging.
A buy-to-let further advance mortgage is quicker and easier than a full remortgage, however, you might be paying a higher interest rate as you’re not shopping around.
For a buy-to-let further advance mortgage, you’ll be required to pass your lender’s affordability checks, meet their lending criteria, and have your credit score assessed.
A valuation will be required by your existing lender to ensure that your property is worth what you have said and that they have sufficient security in the property. The more equity that you have, the more you’ll likely be able to borrow. The top end loan to value is 80% on a buy-to-let, usually around 75% is average.
A buy-to-let product transfer mortgage is when you choose not to shop around for the best deal and you select a new product, usually a fixed rate, with your existing lender.
Your current buy-to-let mortgage lender may offer you a product transfer deal via their online portal, mobile app or by letter. It’s always best to speak with an experienced mortgage broker, like us, to check you are doing the right thing for your personal situation and that you’re on the best rate available.
If you do nothing when your deal ends, your mortgage will revert to your lenders standard variable rate (SVR) for buy-to-let mortgages, it is usually high and can increase quickly if rates change.
Many of our landlords prefer the peace of mind of a fixed rate and shopping around for the best deal once their rate comes to an end.
It is possible to obtain a first-time buyer buy-to-let mortgage under certain circumstances, most lenders will insist that you are a current homeowner and have a good level of personal income.
It’s important to note that buy-to-let mortgages are generally seen as a riskier investment than traditional residential mortgages. Therefore, lenders will be more cautious and selective when considering applications for first time buyer buy-to-let mortgages.
To qualify for this type of mortgage, you will typically need to have a good income of at least £25,000 per year and a minimum deposit of 25% of the property’s value. In addition, lenders will scrutinise your credit history and overall financial situation to assess whether you can afford the mortgage payments and associated costs such as property maintenance and management fees.
If you are a first-time buyer looking to invest in a buy-to-let property, it’s important to speak with an experienced mortgage advisor who can guide you through the application process and help you find a suitable lender that meets your needs.
Remortgage a buy-to-let for situations like getting a new fixed rate deal, capital raising and releasing equity, making changes, or moving from a residential to a buy-to-let mortgage or vice versa.
Remortgage a buy-to-let is where you will move your existing mortgage to a new lender. You will need to go through the application process to prove your creditworthiness and that your mortgage is affordable.
As expert buy-to-let mortgage brokers, we’ll compare any products transfer deals available with your current lender to other remortgage deals that are available elsewhere for you to save money.
If you have had a buy-to-let property for several years, you’ll likely have a fair amount of equity built up.
A buy-to-let capital raising remortgage will allow you to unlock some of this cash should you need to.
The main reasons why our landlords want to do buy-to-let capital raising from their property are, debt consolidation of loans and credit cards, gifts, divorce, or separation settlements, buy more property/investments, refurbishment and property improvements, and often for those aged 50+ retirement planning.
With buy-to-let capital raising, the amount of equity you can release will depend on the value of your property and the balance of any mortgages already secured on the property.
Nowadays, there are lots of options available for buy-to-let bad credit mortgages. The more deposit you can put down yourself, the likely your chances at being accepted for a mortgage.
If you are concerned about your credit score and you would like to discuss your buy-to-let bad credit mortgage options, then getting hold of your credit report is always a good starting point.
Your experienced mortgage broker will then review this and let you know how much deposit you will need and if it’s viable for you.
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
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