Buy to Let Mortgages

Expert mortgage advice for landlords, whether you're purchasing your first investment property or expanding an existing portfolio.

Are You Looking for a Buy to Let Mortgage?

Whether you're a budding landlord taking your first steps into property investment or an experienced investor looking to expand your portfolio, our expert mortgage advisers are here to help.

As mortgage brokers who work hard to assist our customers, we have helped a variety of different investors secure brilliant buy to let mortgage deals. Our dedicated team will search through thousands of mortgage products to find you the most suitable deal for your needs.

We Build Relationships With Landlords

When you get in touch for a buy to let mortgage, we take the time to understand your investment goals and circumstances. Whether you're looking to purchase through a limited company (known as a Special Purpose Vehicle, or SPV for short), or in your personal name, our team of mortgage advisers have extensive knowledge and will be happy to talk through your options.

Though we typically help with standard residential buy to let, we can also assist with HMOs (Houses in Multiple Occupation) and holiday lets.

Buy to Let Mortgage Options

Standard BTL

Traditional residential property investment for individual landlords.

25% typical deposit

Limited Company

Purchase through a Special Purpose Vehicle (SPV) for tax efficiency.

Expert SPV advice

HMO & Multi-Let

Houses in Multiple Occupation with shared facilities.

Higher yield potential

Holiday Lets

Short-term holiday rental properties including Airbnb.

Specialist products

Property Investment Types

Standard Buy to Let

Traditional residential investment for individual landlords.

Limited Company / SPV

Potential tax efficiencies and liability protection.

HMO Mortgages

Properties rented to multiple unrelated tenants.

Holiday Let Mortgages

Short-term rentals and serviced accommodation.

Portfolio Landlord

For landlords with 4+ mortgaged properties.

First-Time Landlord

Guidance for taking your first step into investment.

Deposit Requirements

Typical minimum deposits for different BTL types.

Investment Type	Typical Deposit
Standard Buy to Let	25%
Limited Company / SPV	25-30%
HMO Property	25-40%
Holiday Let	25-35%

Note: Deposits vary based on experience, property type, and lender criteria.

Why Choose Us for Your Buy to Let Mortgage?

Access to exclusive lender rates not available on the high street

Expert guidance on rental calculations and stress tests

Support with limited company and SPV structures

Portfolio review and expansion planning

HMO licensing and mortgage advice

Holiday let and short-term rental expertise

How We Help Landlords

Free Consultation

Discuss your investment goals.

Yield Calculations

Assess stress tests and affordability.

Market Search

Whole of market access to find deals.

Support

End-to-end guidance to completion.

Buy to Let Mortgage FAQs

Most buy-to-let lenders require a minimum deposit of 20% to 25%, though 40% deposits often unlock the most competitive interest rates. The deposit is higher than residential mortgages because lenders view investment properties as higher risk.

Yes, it is possible, but your options will be more limited. Some lenders require you to own your own residential home first, while others may require a larger deposit (usually 25%–40%) for first-time landlords.

This depends on your tax bracket and long-term goals. Investing through a Special Purpose Vehicle (SPV) allows you to deduct mortgage interest as a business expense, which can be highly beneficial for higher-rate taxpayers.

Lenders use an Interest Cover Ratio (ICR) based on the rental income. Most require the rent to cover 125% to 145% of the mortgage payment at a stressed interest rate (often 5% or higher).

Yes, but HMO (House in Multiple Occupation) mortgages are specialist products. Lenders will look at the property’s license, the number of rooms, and your experience as a landlord.

Have more questions? Ask us directly for expert landlord advice.

Ready to Discuss Your Buy to Let Options?

Whether you're a first-time landlord or a seasoned investor, we provide the support and advice necessary to achieve your objectives.

Ready for Your Mortgage Journey?

Get expert mortgage advice with no obligation. Our specialists are here to help you find the perfect mortgage solution for your needs.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME TYPES OF BUY TO LET OR COMMERCIAL MORTGAGES.