MORTGAGE BROKERS CHESHIRE
Help and advice with buy-to-let mortgages
Property investment offers an excellent opportunity for generating additional income and building long-term capital growth. However, Buy-to-Let mortgages can be complex, as the amount you can borrow is determined by the potential rental income of the property rather than your annual earnings.

Will I Qualify?
Use our Online Quiz to find out if you qualify for a mortgage; there’s no credit check or upfront fees.
Investment Mortgages
With recent changes in legislation and the mortgage market—impacting everything from a property’s energy rating to ownership requirements—it’s more crucial than ever to work with a professional adviser. These shifts can influence your strategy and options significantly, especially in terms of the number of properties owned and the legal aspects of ownership.
Whether you’re a seasoned landlord aiming to expand or refinance your portfolio or a first-time investor exploring Buy-to-Let, we’re here to guide you through each step.


How much can I borrow?
When applying for a Buy-to-Let mortgage, most lenders use an affordability calculator that compares the potential rental income against the loan amount. Some lenders may also require a minimum personal income to cover any rental void periods.
Ultimately, it’s all about finding the right lender and solution for your unique circumstances, and that’s where our expertise comes in.
Can anyone get a Buy to Let Mortgage?
In the UK, Buy-to-Let mortgages are available to individuals who meet certain criteria. Borrowers must generally be at least 21 years old, although some lenders may require applicants to be 25 or older.
A good credit history is essential, with lenders looking for individuals with no recent bankruptcies or significant debt issues. Most lenders also require a minimum income, typically around £25,000 per year, though this can vary.


What sort of a deposit will I need?
A deposit of at least 25% of the property’s value is usually required, though some lenders may accept a lower deposit of 20% or more. Additionally, the property must generate sufficient rental income to cover mortgage payments, with many lenders expecting the rent to exceed the mortgage by a certain amount.
While Buy-to-Let mortgages are mainly intended for landlords and property investors, first-time buyers may still qualify, though the requirements can be stricter and options fewer.