Buy to Let Mortgages

Buy To-Let Experts

Our advisers are very experienced, they own and manage their own portfolio of houses of multiple occupancy and standard buy to lets.

Limited Company - No Problem

We can offer standard buy to lets or though limited companies.

Expanding your portfolio

We can raise funds of existing properties for deposits on future buy to lets if you want to expand your portfolio.

Local Knowledge

We have knowledge of the Bristol market if you are unsure of where to buy and the current prices that could be affordable to you.

FREE mortgage consultation

To answer any questions you may have with no obligation.


We offer a comprehensive range of mortgage products from the market.

If you are looking to buy a property as an investment, our experienced team can offer you guidance on the right options available for you and the associated costs, using their extensive knowledge on buy to let mortgages.

If you are considering renting out a property, it must be purchased using a buy to let mortgage rather than a residential mortgage. 

How do Buy to let mortgages work?

Most buy to let mortgages are interest only. This means that the monthly payments paid back to the bank only pay off the interest on the loan. Monthly payments are therefore often lower than a traditional mortgage, but at the end of the mortgage term, you will need to look at paying off the loan in full either in cash, by remortgaging or by selling the house. It is uncommon to find repayment mortgages for buy to let properties.

Deposits on buy to let mortgages are usually much higher than for residential mortgages. Most lenders require at least a 25% deposit of the value of the property. The higher the deposit, the lower the monthly repayments will be.

Other things to consider

When letting a property to tenants, landlords will have void periods, which is when the property does not have tenants. This could be between tenancies or during major repairs. There is also the risk of tenants who refuse to pay rent. During these times, the property will not be generating any income. When letting out a property using a buy to let mortgage, landlords need to ensure they have some savings to cover these periods as they cannot rely solely on the rental income. Having savings set aside for repairs is also essential, as landlords are legally obligated to repair the property in line with the tenancy agreement they will hold with their tenants.

The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.


Lenders will look at the predicted rental income of the buy to let property and use this to decide if they wish to offer a mortgage. The projected rental income of the property typically must be at least 125% of the monthly mortgage payments. Individual lenders have different thresholds of what they require this to be, and it can vary depending on the location, the price of similar properties in the area and the demand for rental properties.

When considering a buy to let purchase, here are some key things to think about:

  • The area you are buying in
  • Property prices and rent return in the area
  • Your target market – who do you think you will be renting to – students, young professionals, families?
  • The amount of deposit you will need (we can calculate this for you based on the projected rental income)
  • Any necessary licenses for the property
  • Additional stamp duty costs (currently 3% on top of the existing stamp duty costs for second homes)
  • Property maintenance
  • Letting agency costs


Buy to let properties are usually not available for first-time buyers. However, some lenders may offer buy to let mortgages to first-time buyers. These may be more difficult to find as they are not widely available.

Age is a factor when taking out a buy to let mortgage. Borrowers should be over the age of 21 and the maximum age will depend on the mortgage term they are looking to obtain.

Income is also reviewed as part of the buy to let mortgage application. The amount of income required will depend on the cost of the property, but a minimum requirement is approximately £25,000 from most lenders.

Lenders will also review your credit history to make sure you are not a high-risk borrower.

Tax regulations and specialist property accountants

We always advise you to take Tax advice from a qualified accountant before making a buy to let purchase. Luckily we can put you in touch with one for free

3 easy steps to your new mortgage

  1. Fill out our online form, request a call back or call us
  2. One of our advisers contacts you to learn more about your situation
  3. Relax while we find you the right mortgage

no stress!