Help and advice with buy-to-let 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.

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.

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. 

If you live outside the UK you can still get a UK buy-to-let mortgage, but fewer lenders will consider you, so it pays to use a broker who arranges buy-to-let mortgages for expats.

A buy-to-let mortgage needs a deposit, and how much you’ll need depends on the lender and the property. We’d rather work out the figure for your case than quote one that might not hold. The property must also generate enough rental income to cover the 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.