Buy to Let Mortgages

Our dedicated mortgage advisors have lots of experience helping buy to let landlords and would love to help you.

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Mortgage advice for first time landlords and existing landlords.

There are some lenders who do not focus on your personal income when it comes to taking out a buy to let mortgage, whereas others need you to be earning £25,000 pa or more. It is much easier to get a buy to let mortgage if you are a homeowner, but it is possible for a first time buyer/first time landlord combination.

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Mortgage advice for buy to let looking to buy through their limited company.

More and more landlords are starting their own limited companies to buy their properties through, you’ll need to speak to an accountant if you think this might be right for you.

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Popular FAQs

How much deposit do I need for a buy to let?

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Usually, the minimum deposit for a buy to let mortgage is 25% of the property value. Although, this can vary between 20%-40% depending on your history as a landlord.

How much can I borrow for a buy to let?

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The amount that you can borrow for a buy to let mortgage will be determined by the rental income that the property is likely to generate. Also, most lenders will require you to have an income yourself from a main job or self employment.

How much do I need to earn to get a buy to let mortgage?

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There are some lenders who do not focus on your personal income when it comes to taking out a buy to let mortgage, whereas others need you to be earning £25,000 pa or more.

Can I use the equity in my house for a buy to let deposit?

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If you have sufficient equity in your house and can release this equity via a remortgage, you are able to use this for a deposit on a buy to let property. Remember, a buy to let deposit is typically 20%-40%.

Can I get a buy to let mortgage as a first time buyer?

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The simple answer is yes, however, most lenders will want an applicant that currently owns a property over someone who has no experience in the field.

8 Reasons to choose UK Moneyman

Open 7 days a week until late.

We're flexible around your work and family, we'll be there when you need us.

No cost to you consultation.

No upfront fees payable, we are paid on results only.

You'll get your own dedicated case handler.

You'll always know who you are dealing with.

We're on your side, we work for you.

No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.

We're authorised by the Financial Conduct Authority, a consumer watchdog for financial services.

Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.

1000s of potential options.

We shop around for the cheapest deal for you, saving you time and money.

We're experienced and knowledgeable.

There isn't a situation we haven't come across before, we fully understand your needs.

It's not just about the mortgage.

We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.

Our Customers Love Us

Reviews Stars4.97 Rating187 Reviews

We search 1000’s of mortgage deals for you

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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