Specialist buy-to-let mortgage advice for UK investors — from single properties to large portfolios, residential and limited company structures. Whole-of-market access, no broker fees.
A buy-to-let mortgage is designed for properties you intend to rent out rather than live in. They work differently to residential mortgages in several key ways.
Deposit: Most BTL lenders require a minimum 20–25% deposit, with the best rates typically available at 25% LTV or lower.
Rental income stress test: Lenders assess affordability based on rental income — typically requiring the rent to cover 125–145% of the mortgage interest at a stressed rate.
Interest-only options: Many BTL investors opt for interest-only mortgages to maximise monthly cash flow, with capital repaid when the property is sold.
Tax considerations: Since 2020, mortgage interest relief for individual landlords is capped at the basic rate. Many investors now use limited company structures to mitigate this. Our advisers can discuss both options.
Our BTL advisers have helped landlords with everything from a first investment property to 50+ unit portfolios. We understand the nuances of BTL lending — criteria, stress tests, and lender appetite — so you get the right deal first time.
Estimate the gross and net yield on a potential investment property.
A single property rented to one household. The most straightforward BTL structure — strong lender choice and competitive rates.
Rented room-by-room to multiple tenants. Higher yields but specialist lenders and licensing requirements apply.
A single building containing multiple self-contained flats owned as one title. Fewer lenders but excellent portfolio efficiency.
Hold properties in a special purpose vehicle (SPV). Can be tax-efficient for higher-rate taxpayers since Section 24 changes.
Short-term rental via platforms like Airbnb. Different lender criteria based on projected occupancy — we know which lenders accept these.
Own 4+ mortgaged properties? You're classified as a portfolio landlord. We specialise in presenting complex portfolios to lenders effectively.
Get expert BTL mortgage advice — free, whole-of-market, no obligation.