Buy-to-let
Buy-to-let mortgages for landlords across the UK
Whether you're buying your first rental, remortgaging one you already own or building a portfolio, we compare buy-to-let lenders on the true cost — rate, fees and rental stress test together. 40+ years of experience, whole of market, and no charge for the comparison.
How buy-to-let lending works
25% deposit is the norm
A few lenders go to 20%, but 25% or more is standard — and a bigger deposit usually means a better rate.
The rent does the heavy lifting
Lenders want the rent to cover 125% to 145% of the interest at a stressed rate, not just your salary.
Personal name or limited company
We arrange both, and compare the rate difference so you can weigh it up with your accountant.
Portfolio landlords welcome
Four or more mortgaged properties means extra lender checks. We know which lenders handle portfolios well.
Landlord questions, answered
What landlords ask us most about buy-to-let borrowing.
- How much deposit do I need for a buy-to-let mortgage?
- Usually at least 25% of the property value, so a £200,000 rental would need around £50,000. Some lenders accept 20%, and putting down 30% to 40% typically unlocks noticeably better rates because the loan to value is lower.
- How do lenders decide how much I can borrow on a buy-to-let?
- Mainly on the rent rather than your salary. Lenders apply a rental stress test, commonly wanting the monthly rent to cover 125% to 145% of the mortgage interest at a stressed rate. If the rent does not cover it, a bigger deposit or a five-year fixed rate — which is usually stress tested more gently — can bridge the gap.
- Should I buy through a limited company?
- Many landlords do, because a company can deduct mortgage interest as a business expense while individual landlords only get a basic-rate tax credit. Company rates are generally slightly higher and there are running costs, so it depends on your tax position. We arrange both and will always suggest you take tax advice from an accountant.
- Are buy-to-let mortgages interest only?
- Most are. Paying only the interest keeps monthly costs down and improves rental yield, with the balance repaid when the property is sold or refinanced. Repayment buy-to-let mortgages are available if you would rather clear the debt over the term.
- Can I get a buy-to-let mortgage as a first-time landlord?
- Yes. Fewer lenders will consider you if you do not already own your own home, and some ask for a minimum income of around £25,000, but there are lenders in the market for first-time landlords. We know which ones to approach.
- Are buy-to-let mortgages regulated by the FCA?
- Most are not. A buy-to-let mortgage becomes regulated when you or a close family member will live in the property — often called a consumer buy-to-let. We are directly authorised by the Financial Conduct Authority (firm reference 465465) and will tell you which category your case falls into.