When searching for an investment property, there are lots of things to consider. Perhaps the most important, however, is getting the best deal on a buy to let mortgage suited to your circumstances. 

When you are purchasing a property as an investment, we believe the mortgage process should always be as stress and hassle free as possible. From our first meeting, until the completion of your new property, we will be there to ensure you get the best buy to let mortgage deal. We will make certain that you understand your mortgage completely, so that your property investment can be a success.

A buy to let mortgage is essential if you are looking to purchase an additional property to rent out to tenants, and require a mortgage to make this purchase. While buy to let mortgages are very similar to residential mortgages, there are important variations, including how the amount you can borrow is calculated and also in the stamp duty that you will pay on your new property. If you ever have any questions or concerns, you only have to pick up the phone and call us – our services are always free.

About Us

We collectively have over 100 years of experience in arranging mortgages, so why not find out a little more about us and how we can help you find your buy to let mortgage.

Find out more about our team

Buy to Let Mortgage Guide

If you want to find out a little more information about your buy to let mortgage before getting in touch, our buy to let mortgage guide is a great source of information for any potential landlord.

Read our Buy to Let guide

Stamp Duty Calculator

Did you know that stamp duty rates are different for additional properties? Our stamp duty calculator can show you how much stamp duty you could pay on your new property.

Find out what you might pay

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Key Facts

Securing a buy to let mortgage should never need to seem like a daunting process. We’ve set out some of the key features of a buy to let mortgage to put your mind at ease about finding one suited to you.

1. How much can I afford?

Calculating how much you can afford on a buy to let mortgage is different to a standard mortgage, as it’s not solely based on your personal income – lenders also consider how much rent your new property could generate. The rental income calculation can vary from lender to lender, so please get in touch for an estimate on how much you can borrow – our services are always free.

2. Your deposit

For a buy to let mortgage, you are likely to need a larger deposit. The minimum is usually 20%, but the most common buy to let mortgages require a deposit of 25%. As with any mortgage, in order to get the best deals and rates, you will need to put down a higher deposit, and for a buy to let mortgage this could even be as high as 40% of the property value. 

3. Stamp duty and tax

Stamp duty is always payable on a property if it is in addition to your main residence, and the rates are also higher. You will pay 3% on the first £125,000 of the property value, and then in increments until 15% on anything over £1.5 million. As a landlord, any profit is also liable for income tax, and we would advise seeking the advice of a tax advisor before making your investment. 


4. Finding the right property

If you’re making a property investment, you will want a property you can make a profit from. Finding the right property in the right area is essential, and our buy to let mortgage guide contains advice on both of these matters. A good letting agent is also a useful asset when finding a buy to let property, and we work closely with several that we can recommend if you would like their help. 

Buy to Let Mortgage Help!

Do you have some questions about your buy to let mortgage? You may find the answer here or in our Buy to Let Mortgage Guide! If you do have any further questions, please contact us. It’s free.

  • 1. What is a buy to let mortgage?

    A buy to let mortgage is a special type of mortgage designed specifically for a landlord looking to rent out their property to tenants. 

  • 2. Do I need a buy to let mortgage to rent out a property?

    Unless you are lucky enough to be able to purchase a second property with cash and no mortgage, you will need a buy to let mortgage to purchase a property that you wish to then rent out. For more information on the buy to let process and your responsibilities as a landlord, take a look at our Buy to Let Guide, or call us today – it’s free!

  • 3. What is the difference between a buy to let mortgage and a standard mortgage?

    A buy to let mortgage is specifically designed for landlords who are looking to rent out a property to tenants. Most buy to let mortgages are interest only, and they will not be based solely on your personal income – they will also take into consideration how much rent the particular property could generate. 

    You will also typically need a slightly higher deposit for a buy to let mortgage, and stamp duty charges are also higher. For more information, take a look at our Buy to Let Guide or contact one of our experienced advisors. 

  • 4. How do I get a buy to let mortgage?

    Using a buy to let mortgage broker is the easiest way to find a fantastic buy to let mortgage deal that is suited to you and your circumstances. We promise that we will never charge you for our services – as our customer, you are our only priority. 

  • 5. How do I choose a buy to let property?

    Finding the right buy to let property is a case of choosing the right property in the right area that will suit both your budget and circumstances. 

    You should always consider the type of tenant you are looking for, and whether the property or area will be suited to this. You should also consider the demand of the area or property type, and whether this demand could increase or decrease. Our buy to let mortgage guide has further information on this, as well as the services a letting agent can provide in assisting you with finding a buy to let property. A buy to let mortgage will be secured against your property, some types of buy to let mortgages are not regulated by the financial conduct authority.

  • 6. How much could I borrow on a buy to let mortgage?

    How much you can borrow on a buy to let mortgage is not solely dependent on your income. The lender will also factor in the potential rental income for the property, using a rental income calculation. This calculation can vary from lender to lender, so please contact one of our expert advisors for an estimate on how much you can borrow – it’s free!

  • 7. How much deposit do I need?

    You will need a higher deposit for a buy to let mortgage. The minimum is 20%, but 25% is most common. In order to get the best rates, you will need an even higher deposit, anywhere up to around 40% of the property value. 

  • 8. Do I need a tenancy agreement?

    If you are a private landlord looking to rent a property to a tenant then you will need an Assured Shorthold Tenancy (AST) agreement. When applying for a buy to let mortgage, most mortgage lenders will insist that you have one of these, and may even ask to see a copy. 

  • 9. Are there property types that are difficult to secure a buy to let mortgage on?

    Certain properties might be more difficult to secure a buy to let mortgage on due to their age, type or location. For example, there are restrictions on the number of mortgages available for ex-local authority or high rise flats. Your lender may also have restrictions on flats above commercial premises. 

    If you are interested in purchasing a buy to let property that you feel could be difficult to secure a mortgage against, contact one of our expert advisors for free. They will be able to advise you

  • 10. Can I buy a buy to let property as a first-time buyer?

    Yes, however, your choice of mortgages may be limited as most lenders will require you to have owned your own residential property for at least a certain period of time (usually 6 months) before they will offer you a buy to let mortgage. 

    One of our advisors will easily be able to help you find any available mortgage deals if you are a first time buyer looking for a buy to let property. 

  • 11. What is a House of Multiple Occupation (HMO)?

    A House of Multiple Occupation (HMO) is a property which will hold at least 3 tenants not of the same family but forming one household, sharing toilet, bathroom and kitchen facilities. Depending on the property and its location, you may require an HMO license. The local authority for the property can provide you with further information about this license and whether your property might require one, or already has one. 

  • 12. Do you pay stamp duty on a buy to let property?

    Yes. You will always be required to pay stamp duty on an additional property. For the first £125,000 of the property value, you will pay stamp duty at 3%, and this will rise in increments to 15% at anything over £1.5 million. Our stamp duty calculator can give you an accurate figure for the stamp duty you might pay on your new home. 

  • 13. Do you pay Capital Gains Tax on buy to let property?

    If you sell the property for more than you paid for it, after deducting costs such as stamp duty, estate agent or legal fees, then you will be liable for capital gains tax, since you are ‘gaining capital’.

    We would advise that you seek the advice of a specialist tax advisor who can explain all of the tax implications when purchasing an investment property. We work closely with a number of skilled tax advisors who we would be happy to recommend to you, should you require their services. 

  • 14. Do you pay tax on buy to let property income?

    As a landlord, any profit you make from renting out a property will be liable for income tax. There are ways to reduce this tax bill by offsetting certain costs, including property repairs and maintenance, against the rental income. 

    We would advise that you seek the advice of a specialist tax advisor who can explain all of the tax implications when purchasing an investment property. We work closely with a number of skilled tax advisors who we would be happy to recommend to you, should you require their services. 

  • 15. Is using a limited company better for tax?

    Due to recent tax changes affecting those who personally own a buy to let property, many landlords are now choosing to purchase investment properties using a limited company, specifically set up for this purpose. Buy to let mortgage rates are often higher for limited companies, but there are tax benefits to this route which, depending on your circumstances, can save you money. 

    We would advise that you seek the advice of a specialist tax advisor who can explain all of the tax implications when purchasing an investment property. We work closely with a number of skilled tax advisors who we would be happy to recommend to you, should you require their services. 

  • 16. Do you pay inheritance tax on a buy to let property?

    Yes. Inheritance tax is still payable on a buy to let property, but the amount you pay will depend on your circumstances.

    We would advise that you seek the advice of a specialist tax advisor who can explain all of the tax implications when purchasing an investment property. We work closely with a number of skilled tax advisors who we would be happy to recommend to you, should you require their services. 

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