Buy-to-let Mortgages
Whether you're a first-time landlord or a seasoned property investor, buy-to-let (BTL) mortgages are a key tool for building long-term wealth through rental income and capital growth.
What is a buy-to-let mortgage?
A buy-to-let mortgage is specifically designed for properties purchased with the intention of renting them out. Unlike a residential mortgage, BTL loans are assessed based on projected rental income, often with stricter lending criteria and larger deposit requirements (typically 20–25%).
Even for a seasoned investor there is plenty of industry jargon often used, with changing regulations and fluctuating interest rates, it’s important to have someone on your side to help explain the complexities of a buy-to-let mortgage.
Working with a mortgage adviser
With so many mortgage options to choose from and routes to go down, it can be confusing if you have no experience. That’s why it’s so important to use an independent adviser, as we know the ins and outs and will find the right mortgage product for you. Key benefits from working with us include:
- Access to competitive BTL rates and lender insights, whole of market
- Guidance on interest only vs. repayment options
- Help with structuring ownership (personal vs. limited company)
- Support with portfolio growth or remortgaging strategy
- Tax efficiency and long-term wealth planning
- Your home may be repossessed if you do not keep up repayments on your mortgage.
- Not all mortgage contracts are regulated by the Financial Conduct Authority.
- If property prices fall and your capital value falls below your outstanding interest-only mortgage, you’ll need to make up for any shortfall if the property sells for less.