Buy-to-Let Mortgages

Whether you're a first-time landlord or building a portfolio, we find the right buy-to-let mortgage for your investment goals.

Get matched Call 01332 470 400

90+

Lenders searched

What is a buy-to-let mortgage?

A buy-to-let mortgage is designed for properties you intend to rent out. They typically require a larger deposit than residential mortgages and have different affordability criteria based on expected rental income rather than just personal income. Read our buy-to-let guide for a complete overview.

Buy-to-let requirements

To qualify for a buy-to-let mortgage you'll typically need (don't forget to check the stamp duty calculator for the additional property surcharge):

A minimum deposit of 25% (some lenders accept 20%)
Rental income covering 125-145% of the mortgage payment, use our mortgage calculator to estimate
A minimum personal income of £25,000 (varies by lender)
To be at least 21 years old (some lenders require 25+)
A reasonable credit history (see our adverse credit mortgages if your credit is imperfect)

Our buy-to-let expertise

Standard buy-to-let, single residential properties let to tenants
HMO mortgages, Houses in Multiple Occupation and multi-lets
Portfolio landlords, specialist lending for landlords with 4+ properties
Limited company purchases, tax-efficient structures via SPVs
Holiday let mortgages, short-term rental properties
Remortgaging, refinance existing buy-to-let properties

Tools & guides for buy-to-let

Mortgage Calculator

Estimate your monthly payments

Stamp Duty Calculator

Includes additional property surcharge

Interest Only vs Repayment

Compare mortgage types

Buy-to-Let Guide

Complete landlord mortgage guide

How It Works

Our 6-step process explained

Frequently Asked Questions

How much deposit do I need for a buy-to-let?

Most buy-to-let lenders require a minimum deposit of 25%, though some specialist lenders may accept 20%. The more deposit you put down, the better the rates available to you.

Can I get a buy-to-let mortgage as a first-time buyer?

Some lenders will consider first-time buyers for buy-to-let mortgages, though options are more limited. We can advise on which lenders are most suitable for your situation.

What rental income do I need?

Most lenders require the expected rental income to cover 125-145% of the mortgage payment at a stress-tested rate. This helps ensure you can afford the mortgage even if interest rates rise.

Should I buy through a limited company?

Buying through a limited company can offer tax advantages, particularly for higher-rate taxpayers. However, it's not right for everyone. We recommend speaking to a tax adviser as well as a mortgage broker.

Can I get a buy-to-let mortgage on a HMO?

Yes, there are specialist lenders who offer mortgages for Houses in Multiple Occupation (HMOs) and multi-unit freehold blocks. Rates may be slightly higher, and requirements differ from standard buy-to-let.

Expert reviewed by

Benjamin Kistell

Senior Mortgage Adviser · CeMAP, CeRER, DipFA

This page was reviewed by Benjamin, a CeMAP-qualified mortgage adviser at Option Finance. All content is checked for accuracy and kept up to date.

Talk to our mortgage specialists

Find out what is possible before you apply.

Get matched Call 01332 470 400