Buy-to-Let Mortgages

Find the right deal to capitalise on your property investment.

If you’re buying a property to rent out, you’ll need a competitive buy-to-let mortgage that helps you capitalise on your investment. There are many options available to help you do so. However, finding the most appropriate one for your investment needs can be complicated and time-consuming. Add to this the fact that several products, typically the most cost-effective, are intermediary-only, and lenders view buy-to-let as a higher risk; it pays to enlist our help.

With access to the whole market, we can source the right buy-to-let mortgage for your investment objectives. When we’ve found the right match, we’ll do all the hard work for you and manage your application from start to finish. As the buy-to-let mortgage application process differs from a standard mortgage and can be complex, you’ll benefit from our experience and expertise.

Whether it’s your first buy-to-let or you’re an experienced property investor, we’ll help you get the mortgage you need. With our guidance, your buy-to-let mortgage will support and maximise your property investment.

Our Buy-to-Let Mortgage Services

Our buy-to-let mortgage expertise covers the following specific types:

Personal Buy to Let Mortgages

Buying your buy-to-let in your own name might attract lower mortgage interest rates and can be a better option for one-off property investments.

Limited Company Buy to Let Mortgages

Buying your investment property via a limited company offers tax advantages. Mortgaging in this way can be beneficial if you’re building a portfolio.

HMO Buy to Let Mortgages

Buying a property to rent out to multiple tenants, known as a house in multiple occupation (HMO), will require a specialist HMO buy-to-let mortgage.

Your Buy-to-Let Mortgage Options

Unlike standard residential mortgages, most buy-to-let mortgages are interest-only. As such, you only pay the interest charges each month, not the capital amount. At the end of the mortgage term, you’ll need to repay the original loan in full, usually by selling the property.

There are several interest rate options on interest-only buy-to-let mortgages, including:

Standard variable rate (SVR)

Each lender has a standard variable interest rate. The lender decides on the rate, and it can change without warning. An SVR is usually the highest interest rate.

Fixed-rate

A fixed interest rate is usually an introductory deal for new buy-to-let mortgages. The rate stays the same for a fixed term, usually two, three, or five years. After this time, it will change to your lender’s SVR, which will usually be higher unless you remortgage.

Discount rates

Some lenders offer a discounted rate as an introductory offer on a new mortgage. The rate is set at a percentage lower than the lender’s SVR for a specific time and moves up and down in line with the SVR.

Tracker rate

A tracker mortgage follows the Bank of England’s base rate. The rate is set at a certain percentage above the base rate and moves up or down along with movements in the base rate. Tracker rates may be available as a short-term introductory offer or for the duration of your mortgage.

Choose the right Buy-to-Let Mortgage

The right buy-to-let mortgage option for you will depend on your personal circumstances. Our experienced mortgage advisers can talk you through the options to help you decide. For your free, no-obligation initial consultation, contact us today.

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