Supporting your property investment plans
Understand the considerations around buy-to-let mortgages, with insight to help you make informed decisions.
What is a buy-to-let mortgage?
A buy-to-let mortgage is intended for those purchasing a property to rent out, rather than to live in themselves. These mortgages often have different criteria to residential lending, including rental income considerations and deposit requirements. Availability and terms vary between lenders.
My role is to outline the key information so you can understand how each option works. This helps you make a decision that reflects your financial position and long-term plans.
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Frequently asked questions
These mortgages are based on rental income rather than your personal income and often require a larger deposit.
Typically 20–25%, but some lenders may accept less depending on circumstances.
Not always, but many lenders prefer landlords to already own a residential property.
They usually expect the rental income to cover the mortgage payments by a certain percentage — I’ll calculate this for you.
You would need to switch to a residential mortgage before moving in. I can advise you on the process.