Buy To Let Mortgages

What is Buy-To-Let Mortgage?

Buy-to-let mortgages are designed for people who want to purchase a property with the intention of renting it out. This type of mortgage is different from a standard residential mortgage in that it requires a larger deposit, typically 25% or more, and the interest rate is usually higher.

Is buy-to-let a good way to make money?

It can be, but it depends on the market and your ability to manage the property. Buy-to-let investments require careful research and planning before committing to a mortgage. You should also consider factors such as rental demand, potential returns, maintenance costs, and other expenses associated with owning a rental property.

Can I live in a house with a buy-to-let mortgage?

No. Buy-to-let mortgages are intended for investment purposes only, and lenders will not allow you to live in the property yourself while renting it out.

How many buy-to-let mortgages can I have?

The number of buy-to-let mortgages you can have depends on your financial situation and whether or not you have enough income to cover all of your monthly payments. Most lenders will only approve up to four buy-to-let mortgages per applicant.

What is the minimum deposit for buy-to-let?

The minimum deposit required for most buy-to-let mortgages is 25% of the property’s purchase price. However, some lenders may require more depending on your credit score and other factors such as rental income potential or the location of the property.

Expert Mortgage Advisors

Get Your Free Quote

We've helped 1,000's of borrowers get the perfect mortgage. Submit your details and we'll match you with an expert who will search over 100 lenders to help find you the right mortgage. It's free & doesn't effect your credit score.

Buy-To-Let Mortgages 90% LTV
Buy To Let Mortgages
LendingLine Team

Buy-To-Let Mortgages 90% LTV

Seeking a buy-to-let mortgage to rent out a property? Learn all about loan-to-value mortgages, which mortgage type to choose and how you can take one out.

UK Buy-To-Let Hotspots (June 2024)
Research
LendingLine Team

UK Buy-To-Let Hotspots (June 2024): Best ICR Areas for Mortgages

Are you looking for the best areas in the UK to invest in BTL property with a mortgage? Well, you’re in luck. We have collected the latest available data from UK Government ONS sources (office for national statistics) on the housing index, property prices and monthly rental figures of different regions. We have then used this data to calculate the Income Coverage Ratio (ICR) percentage. Let’s see how this can help you!

UK Buy-To-Let Hotspots
Research
LendingLine Team

UK Buy-To-Let Hotspots (March 2024): Regions with the Best ICR for Mortgages

Are you looking for the best areas in the UK to mortgage a Buy-To-Let property? Well, you’re in luck. We collected March 2024 data of housing index, property prices, and monthly rentals of different regions to calculate Income Coverage Ratio percentage. Let’s find out how it can help you.

Bridge-To-Let
Buy To Let Mortgages
LendingLine Team

Bridge-To-Let

Thinking about a bridge-to-let scenario but are worried it might be high risk? This guide details everything about these circumstances to help you decide.

Expat Buy-To-Let Mortgages
Buy To Let Mortgages
LendingLine Team

Expat Buy-To-Let Mortgages

Curious to learn more about buy-to-let mortgages as an expatriate? Then check out this guide, where we have discussed everything an expat needs to know about such mortgages.

Student Buy-To-Let Mortgages
Buy To Let Mortgages
LendingLine Team

Student Buy-To-Let Mortgages

Looking to finance a mortgage for student accommodation? Then let’s explore how buy-to-let mortgages work for students and what to expect from lenders.

Buy-To-Let Offset Mortgages
Buy To Let Mortgages
LendingLine Team

Buy-To-Let Offset Mortgages

Wondering what a buy-to-let offset mortgage is all about? Read on to learn everything before applying for one so that you’re fully prepared.

Airbnb Mortgage
Buy To Let Mortgages
LendingLine Team

Airbnb Mortgage

Confused about what type of Airbnb mortgage to choose for a rental property? This guide discusses everything about an Airbnb mortgage to help you make the right choice.

Buy-To-Let HMO Mortgages
Buy To Let Mortgages
LendingLine Team

Buy-To-Let HMO Mortgages

Want to invest in a house of multiple occupancy (HMO)? Read on as we discuss all about buy-to-let HMO mortgages in this comprehensive guide.

Buy To Let Repayment Mortgages
Buy To Let Mortgages
LendingLine Team

Buy To Let Repayment Mortgage

Wondering whether a buy-to-let repayment mortgage is better for you than an interest-only option? Check out this informative guide to find out.