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.

       Excellent rating  
 Based on 215 reviews 
    
  
 
 
      I cannot recommend Luke at Exe Mortgages highly enough. He has been by far the best person I've worked with during the process of buying my home. From start to finish, he was incredibly fast, informative, and always happy to help. His friendly and approachable manner made what can be a stressful process feel straightforward and manageable. He kept me updated every step of the way and was always available to answer any questions. Thank you, Luke, for making my house purchase such a smooth experience.
     
   Kai Curtis 
 27 October 2026
 
 
 
 
    I have just completed on my mortgage with Emma at Exe Mortgages and she has been FANTASTIC! This is my first time going through the mortgage process and Emma answered my (many!) questions with such clarity and care. She has so much knowledge and is very fast with responding and getting everything organised. 100% recommend Emma to everyone, she was amazing :) Thank you so much again!!
     
   Becky Cligg 
 22 October 2026
 
 
 
 
    I would like to thank George and Exe Mortgages for their excellent service. Because of my own situation my mortgage was really becoming quite difficult to get. Exe mortgages showed a lot of patience and professionalism. At all stages of the process I was kept very well informed as to what was happening and what information was needed from myself. I was extremely pleased when my mortgage completed. I have no hesitation whatsoever in recommending Exe mortgages. Thanks again. Great Service.
     
   John Flowers 
 7 October 2026
 
 
 
 
    Communication throughout my remortgage was excellent - Emma was always available to discuss any of my concerns. Would thoroughly recommend their services.
     
   Kerry Albutt 
 6 October 2026
 
 
 
 
    David has been a great help in finding us a buy to let mortgage. Not only did he recommend a mortgage but he helped guide us while we were searching for an investment property.
     
   Robert Archer 
 30 September 2026
 
 
 
 
    Fantastic service, very quick and efficient. Polite and easy to communicate with. Would highly recommend.
     
   Angie Reynolds 
 30 September 2026
 
 
 
 
    Exe Mortgages provided invaluable, specialised, experienced and trusted advice on both my property remortgage and securing the mortgage for a house purchase made by my company. Their clear guidance, attention to detail and proactive communication made a complex process straightforward and stress-free. Thank you again for all your help, advice and quick replies. It is of immense value and much appreciated.
     
   Emma Ley 
 27 September 2026
 
 
 
 
    James was very friendly and helpful. Explained everything really well and was easy to reach for any questions. Will definitely use him again for any future house purchases.
     
   Liv 
 23 September 2026
 
 
 
 
    We can’t thank Richard Green enough for all his help. He was incredibly responsive, pragmatic, calm and reassuring throughout, making a stressful time so much easier for us.

I messaged him on 1st September to say we’d had an offer on our house, and by 3rd September, our mortgage offer was in place! His efficiency was amazing and really helped ease our stress and anxiety.

His fees were also very reasonable, and we honestly couldn’t recommend him highly enough. Thank you so much for everything!
     
   Emma Doble 
 22 September 2026
 
 
 
 
    My family and I have used Richard many times and have always received an excellent service. He is friendly, professional and always goes above and beyond to help. We wouldn’t hesitate to recommend him.
     
   Laura Bloor 
 21 September 2026
 
 
 
 
    Fiona has been incredible at guiding us through the mortgage process. Her knowledge, professionalism and skills are second to none. She is the most friendly, kind and understanding person, and we would recommend her to anyone looking for a mortgage broker.
     
   Julia Horrell 
 17 September 2026
 
 
 
 
    Knowledgeable and friendly staff, who are very helpful at all stages of the process. Would highly recommend.
     
   Louie Dyer 
 13 September 2026
 
 
 
 
    Amazing service.
     
   cameron todd 
 7 September 2026
 
 
 
 
    I have recently completed the mortgage application process with Luke Bowen. The support and advice throughout was exemplary and the service was professional and rapid. I would definitely recommend Exe Mortgage and Luke!
     
   Henry Bleasdale 
 31 August 2026
 
 
 
 
    Fantastic friendly professional service. Thank you Richard.
     
   Jenny Blackwell 
 28 August 2026
 
 
 
 
    We returned to Exe Mortgages when our original mortgage deal came to an end as they were so good the first time around (when we were first time buyers). We spoke with Emma who explained the process clearly and then has continued to guide us throughout. Emma has been in regular contact, always trying to get us the best deal, and actioning everything quickly. We've been very lucky to have her helping us and would definitely recommend Exe Mortgages, and Emma, to anyone.
     
   Ollie Rowlands 
 21 August 2026
 
 
 
 
    We honestly couldn’t recommend Fiona enough. She helped us with both buying our new house and selling our current one, and the whole process felt so much less stressful having her there throughout.
She always gave honest, trustworthy advice and explained everything clearly, which really helped us feel confident in the decisions we were making. No question ever felt silly and she was always quick to reply to emails and keep us updated, which made a huge difference during such a stressful time.
Professional, reliable and genuinely supportive from start to finish — we’re so grateful for all her help

Owner's reply
Thanks for the lovely feedback Sophie, Fiona takes great pride in the level service she provides.
     
   Sophie Brown 
 21 August 2026
 
 
 
 
    I had a fantastic experience with Luke. He has been incredibly helpful, knowledgeable, and efficient throughout the entire process. He explained everything clearly, answered all my questions, and made what could have been a stressful experience feel straightforward and manageable. I really appreciated his professionalism and support and would highly recommend his services to anyone looking for a mortgage advisor.
     
   Hannah Moore 
 18 August 2026
 
 
 
 
    What a great pleasure it has been to work with Exe Mortgages. It is by far the best experience we have had with any financial advisor: you have been clear, communicative and friendly at every point during what can be a stressful process and we feel we have the best offer available to us at this point.  As we said at the outset, you were recommended to us and we will certainly be recommending you further.
     
   Stephen Felmingham 
 17 August 2026
 
 
 
 
    I could not be happier with this company's service especially my contact Richard Green. Although I am in my 40s I have never previously bought a house or even used a solicitor, so to have such a complicated issue to deal with meant I needed a lot of help. Richard was both patient and knowledgeable, and coped with my family's issues with good humour! I'd not hesitate to trust him with my family's finances again. Thank you!
     
   Matt Weston 
 12 August 2026

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.

Buy-to-Let Mortgage Calculator

Use our buy-to-let mortgage calculator to estimate your potential monthly repayments and rental yield based on the latest rates.

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.