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What is a buy to let mortgage?

A buy-to-let mortgage* is for investors who are buying a property to rent out. These mortgages are often from specialist lenders and may have higher interest rates and require a larger deposit compared to a residential mortgage for a property you are going to live in yourself.

The rental income is also considered when determining the loan and the mortgage repayments are usually interest only so the capital debt will not reduce unless you make extra payments or take out a repayment mortgage. Whether you are an experienced landlord, looking for a better deal or a new investor, we’re here to help.

*Not all forms of mortgage are regulated by the Financial Conduct Authority.

Frequently asked questions

  • How much deposit is needed for a buy-to-let mortgage?

    A buy-to-let mortgage usually requires a larger deposit than a residential mortgage from 25% to around 40% and you could find arrangement fees and interest rates are higher. You will have to pay more stamp duty at the second home rate as the property is not your main residence.

  • How hard is it to get a mortgage buy-to-let?

    If you already have more than one mortgage, especially if they are high loan to value, lenders may be more cautious about lending you more money in case you struggle to repay the debt. Lenders also require that the rental income is around 20% – 30% more than your mortgage so if this is lower you may not have your application accepted. Our specialist buy-to-let mortgage team can look at your personal circumstances and source a range of options for you to consider.

  • Do you need a salary to get a buy-to-let mortgage?

    Some lenders require you to have a minimum income of around £25,000 especially if you are a first-time landlord.

Some current top buy to let mortgage deals

Here are some of today's best mortgage deals, based on a new buy to let mortgage, borrowing £250,000 at an LTV of 75% over 25 years.
£1,372.60
Initial monthly payment
2 year Fixed
Initial rate
3.74%
Total fees
£18,130.00
Follow on rate
10.15%
APRC
10.1%
Initial period cost
£33,572.40

Standard variable rate 10.15% | Lender arrangement fee £17,500.00 | Total fees £18,130.00 | Early repayment charge applies until 2 years

Your rate of 3.74% will last for the first 24 months of your mortgage (the initial period). During that period you’ll be charged £1,372.60 a month. After that, you’ll switch to the Zephyr Homeloans’s standard variable rate (SVR) of 10.15%

£1,372.60
Initial monthly payment
2 year Fixed
Initial rate
3.74%
Total fees
£18,130.00
Follow on rate
10.15%
APRC
10.1%
Initial period cost
£33,572.40

Standard variable rate 10.15% | Lender arrangement fee £17,500.00 | Total fees £18,130.00 | Early repayment charge applies until 2 years

Your rate of 3.74% will last for the first 24 months of your mortgage (the initial period). During that period you’ll be charged £1,372.60 a month. After that, you’ll switch to the Zephyr Homeloans’s standard variable rate (SVR) of 10.15%

£1,372.60
Initial monthly payment
2 year Fixed
Initial rate
3.74%
Total fees
£18,130.00
Follow on rate
10.15%
APRC
10.1%
Initial period cost
£33,572.40

Standard variable rate 10.15% | Lender arrangement fee £17,500.00 | Total fees £18,130.00 | Early repayment charge applies until 2 years

Your rate of 3.74% will last for the first 24 months of your mortgage (the initial period). During that period you’ll be charged £1,372.60 a month. After that, you’ll switch to the Zephyr Homeloans’s standard variable rate (SVR) of 10.15%

Why choose The Mortgage Brain?

We have access to over 12,000 mortgage deals with hundreds of lenders

All our advisers are CeMAP qualified to find the most suitable mortgage for you and your circumstances

You can follow your mortgage application every step of the way via our online customer portal

We have thousands of happy customers and have a 5 star rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated adviser will be with you every step of the way, from the initial consultation to the completion of your mortgage

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How our expert mortgage advice service works

We’ve made it easy for you to get in touch to start talking about your mortgage.

We know it can be a stressful experience so our expert mortgage advisers are a friendly team and will help you to find the best mortgage deal to suit your own personal situation, whether it’s your first mortgage or you are further up the property ladder. Based on your income and deposit, or equity in your current property, we will show you a range of mortgage options. Once you have decided which one you prefer, we will progress your application with the lender until your mortgage is approved.

It’s a simple and stress-free way to find a mortgage!

How our expert mortgage advice service works
Find a first time buyer mortgage deal

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