Buy To Let Mortgage Broker Providing Advice For Property Investors

A buy to let mortgage needs to work as part of a wider investment plan, not just meet a headline rate. The right solution balances lender criteria, rental income expectations, and long-term objectives, while remaining flexible enough to support future changes.

As a buy to let mortgage broker, we work with property investors across the UK to provide clear, structured advice on arranging and reviewing buy to let mortgages. Our advisers focus on understanding your objectives, assessing affordability accurately, and identifying options that align with both the property and your wider financial position.

With access to a comprehensive range of UK buy to let mortgage lenders, including providers not available directly to landlords, we help navigate complex criteria around rental coverage, loan to value, and property type. From initial review through to completion, we manage the process with care and transparency, giving you clarity and confidence at every stage.

Buy To Let Mortgage Advice Tailored To Your Investment Goals

Every buy to let mortgage should support the wider investment strategy it sits within. Rental yield, property type, ownership structure, and future plans all influence which lenders and mortgage options are likely to be appropriate.

Our advisers provide buy to let mortgage advice that reflects your goals and longer-term position, not just what is immediately available. This includes assessing how rental income is treated by different lenders, how affordability is calculated, and how today’s decisions may affect refinancing or portfolio growth in the future.

By taking a holistic view of your circumstances, we help you avoid misaligned borrowing decisions and move forward with greater clarity and confidence.

Why Use A Buy To Let Mortgage Broker

Buy to let lending is shaped by detailed criteria that vary significantly between lenders. Rental income calculations, stress testing, property types, and ownership structures all influence which options are available and how applications are assessed.

Using a buy to let mortgage broker ensures these factors are reviewed properly from the outset. Advice is based on lender requirements and suitability, rather than assumptions or a limited view of the market.

Our role is to assess your position, identify appropriate lenders, and take responsibility for guiding the application through to completion. This reduces delays, avoids unnecessary declines, and ensures decisions are made with a clear understanding of outcomes and trade-offs.

Access to a wide range of buy to let mortgage Lenders

We work with a broad panel of UK buy to let mortgage lenders, including providers that do not offer products directly to landlords.

This allows us to source options that reflect your property type, rental income profile, and borrowing structure, rather than forcing applications into unsuitable criteria.

Advice based on suitability, not just rates

Headline rates rarely tell the full story in buy to let lending. Fees, stress testing, rental coverage requirements, and flexibility at the end of a fixed term all affect how suitable a mortgage is in practice.

Our advisers focus on identifying options that work realistically for your investment plans, not just on paper.

Support for straightforward and complex buy to let cases

Some applications fall outside standard criteria due to portfolio size, property type, income structure, or credit history.

We support both straightforward cases and more complex scenarios, ensuring applications are positioned clearly and progress smoothly.

Buy To Let Mortgage Options We Can Help With

Buy to let mortgages are not assessed in the same way for every investor. Lender criteria, affordability calculations, and acceptable property types can differ depending on how a property is purchased, how many properties are owned, and how rental income is structured.

We support a wide range of buy to let scenarios and direct you to the most relevant guidance based on your circumstances. Each option below links to a dedicated page that explores criteria and considerations in more detail.

Buy to let mortgages for landlords and portfolio investors

For landlords with existing rental properties, lenders may assess borrowing at both an individual property level and across the wider portfolio.

We help structure applications in a way that reflects your overall position and investment plans.

Limited company buy to let mortgages

Buying or holding property through a limited company can offer flexibility, but lender criteria and affordability assessments differ from personal ownership.

We guide you through the available options and considerations involved, whether this is a trading company or a special purpose vehicle (SPV).

Buy to let mortgages for holiday lets

Holiday buy to let properties are assessed differently to standard rental investments due to seasonal income patterns, occupancy levels, and how rental income is generated. Lender criteria can vary depending on whether income is projected, achieved, or managed through a letting agent.

We provide clear guidance on how lenders approach holiday lets and help investors understand which mortgage options align with their property, income structure, and longer-term plans.

How The Buy To Let Mortgage Process Works

Arranging a buy to let mortgage involves several stages, from assessing affordability to securing lender approval and completing the legal process. Clear oversight at each stage helps reduce delays and ensures decisions are made with confidence.

Our advisers manage the process from initial review through to completion, coordinating with lenders and solicitors, supporting parties to keep applications progressing smoothly.

Step 2: Assess affordability and rental Income

Buy to let affordability is typically assessed using rental income rather than personal earnings.

We review how lenders calculate rental coverage, apply stress testing, and assess loan to value, so expectations are clear from the outset.

Step 4: Manage the application through to completion

From offer through to completion, we oversee progress, respond to queries, and liaise with solicitors and lenders to keep the process moving.

This ensures clear communication and support until the mortgage completes.

Buy To Let Mortgage Criteria

Buy to let mortgage criteria are often more detailed than residential lending and can vary significantly between lenders. Understanding how applications are assessed at an early stage helps avoid delays and ensures borrowing plans are realistic and achievable.

Our advisers review the key criteria that influence lender decisions and explain how they apply to your circumstances, helping applications progress more smoothly and with fewer surprises.

Deposit requirement and loan to value

Most buy to let mortgages require a larger deposit than residential borrowing. Loan to value limits can vary depending on lender appetite, property type, and rental income profile.

We help assess what deposit level is likely to be required and how this affects the range of options available.

Rental income and stress testing

Lenders typically assess affordability using expected rental income rather than personal salary. This income is then stress tested to ensure repayments remain manageable if interest rates rise.

We explain how these calculations work and how requirements differ between lenders.

Credit history and borrower circumstances

Credit history, existing commitments, and overall financial position all play a role in buy to let lending decisions.

We review these factors early and identify lenders whose criteria are most aligned with your circumstances.

Property types and tenancy considerations

Some properties and tenancy arrangements are assessed more cautiously by lenders. This can include new builds, flats, HMOs, or properties with non-standard construction.

We help clarify how your property is likely to be viewed and what this means for lender choice.

Why Remortgage A Buy To Let Property?

Remortgaging allows landlords to reassess whether their current mortgage still supports their investment objectives. Changes in interest rates, rental income, or lender criteria can all affect how suitable an existing arrangement remains over time.

Our advisers help landlords identify when a review is appropriate, explain the implications clearly, and support decisions that balance affordability with longer-term flexibility.

Release equity from a buy to let property

Equity built up in a buy to let property may be used for further investment or other purposes, subject to lender criteria and affordability.

We assess whether releasing equity is viable and explain the potential impact on borrowing and rental coverage.

Why Choose The Mortgage Broker for Buy to Let Advice?

Choosing the right mortgage adviser is about having clear guidance, understanding the implications of each option, and knowing your case is being managed properly from start to finish.

At The Mortgage Broker, we provide structured, transparent buy to let mortgage advice that reflects your circumstances and investment plans. Our advisers take responsibility for each case, ensuring recommendations are clearly explained and progress is carefully managed through to completion.

Comprehensive access to 130+ lenders

We work with a comprehensive panel of UK lenders, allowing us to review buy to let mortgage options across a wide range of criteria.

This means recommendations are based on suitability and lender appetite, rather than being limited to a narrow selection.

Experienced buy to let mortgage advisers

Our advisers regularly support landlords and property investors across a wide range of buy to let scenarios.

This experience helps anticipate potential challenges, assess lender requirements accurately, and keep applications moving efficiently.

Dedicated support from enquiry to completion

From your first conversation through to completion, you will deal with an adviser who oversees your case and coordinates communication with lenders and other parties.

This continuity helps reduce delays and ensures the process remains clear and well managed.

Real mortgage outcomes from real clients

We regularly help borrowers secure the right mortgage in situations where lender criteria, property details, or personal circumstances require careful handling.

For example, we recently supported a buyer purchasing a flat in a challenging location, where lender appetite was limited. By matching the case to the right lender and presenting the application clearly, the mortgage was accepted quickly and without unnecessary delays.

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Buy to Let Mortgages Explained

Who we help

• UK landlords: first-time, portfolio (4+), and SPV/Ltd company investors. 
• Standard lets, HMO/MUFB, holiday lets, new builds and ex-local authority.
• Remortgage, product transfer, capital raise, and portfolio reshapes.

What we do

• Compare thousands of buy-to-let products across our 130+ lenders, including specialist and broker only ranges.
• Model ICR stress tests (125–145%), top-slicing options, fee-for-rate trade-offs and SPV vs personal outcomes.
• Structure complex cases (director loans for deposits, exposure limits, HMO licensing/EPC considerations) for smoother approvals.

How it works

• Tell us your plan (personal vs SPV, property type, deposit).
• Get a soft search MIP/DIP in less than 15 minutes with an BTL Mortgage Broker (no credit impact).
• We run lender grade ICR & affordability (incl. portfolio stress testing, top-slicing).
• Your qualified broker and support team manage everything through valuation to offer.

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Why trust us

• Years of experience, understanding of property market and mapping to lenders that fit your profile.
• Proven BTL expertise: SPVs, HMOs/MUFBs, portfolios, capital raising and refinancing strategy.
• Access to leading best buy to let mortgage rates.
• Trusted, Transparent advice backed by 2,500+ 5 star reviews.
• No advice fee; only an application fee is only payable on mortgage offer.

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Book a free appointment, get your Mortgage in Principle, or request a callback.

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FCA oversight & qualified advice: CeMAP advisers; The Mortgage Broker (London) Limited is an Appointed Representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited (authorised and regulated by the FCA).

Limited Company (SPV) Buy-to-Let 

• Who it suits: Tax-efficient landlords using SPVs (e.g. SIC 68100/68209/68320) or trading companies; directors happy to give personal guarantees.
• What lenders look for: SPV set-up & SIC, director shareholding, experience, background portfolio, ICR stress testing (often 125–145% at a lender stress rate), deposit/source of funds.
• Deals & structure: Fixed/trackers with product-fee options (e.g. % fee to improve stress test). Many accept director loans as deposit.
• Property types: Single lets, HMOs, MUFBs, new builds; check exposure limits by block/borrower.
• Docs checklist: Cert of incorporation, full company & director ID/AML, business bank statements, SA302s or accountant’s letter (if needed), AST template.Tax note: Company ownership can change tax outcomes; seek independent tax advice (we’re mortgage specialists, not tax advisers).

Portfolio Landlords (4+ Mortgaged Properties)

• Who it suits: Landlords scaling beyond 3 properties or with multiple lenders/companies.
• Underwriting: PRA portfolio rules apply: full asset & liability statement, portfolio spreadsheet (rent, mortgage, value, LTV), and business plan sometimes requested.
• ICR & cash flow: Lenders assess background portfolio (not just the subject property) and may stress test at higher rates; EPC and void assumptions can be factored.
• Lender appetite: Exposure caps by borrower/area, separate rules for HMOs/MUFBs, day-one remortgage and capital raising vary.
• Refinance rhythm: Staggered maturities, product transfers vs remortgages, limited company vs personal name reshaping.
• What we do: Map your entire portfolio, flag weak ICRs, structure fee-led products where helpful, and shortlist lenders comfortable with your profile (incl. SPV Ltd).

First-Time Landlords

• Who it suits: First-time landlords (and first-time buyer/landlord combinations).
• Eligibility basics: Typical max LTV up to 75% (some niches higher); some lenders ask for minimum earned income and clean credit; first-time buyer rules vary.
• Affordability: ICR stress test on expected rent; valuation must support achievable local rent.
• Property preferences: Simpler units (standard flats/houses) are widely accepted; HMOs/MUFBs can be restricted for new landlords.
• Process: Soft-search Mortgage in Principle (~15 minutes, no credit impact) → documents → valuation → offer → completion.
• Common pitfalls: Under-estimating costs (voids/repairs/insurance), lease issues on flats, EPC requirements, early repayment charges.

What determines the “best buy-to-let mortgage rates” for you?

• Loan-to-Value (LTV): Lower LTV usually unlocks lower rates.
• ICR & Rent: Higher rent vs loan improves product access.
• Ownership route: SPV Ltd vs personal name changes pricing and stress tests.
• Property type: New build, HMO, MUFB, ex-local authority and lease terms can nudge pricing.
• Fees vs rate trade-off: % product fees can reduce stress rate and monthly payment.Term & fix length: 2-, 5-year and longer fixes price differently; early-repayment rules vary.

Qualified Advice

FCA oversight & qualified advice — CeMAP-qualified advisers; The Mortgage Broker (London) Limited is an Appointed Representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the FCA.

Proven landlord expertise — Deep experience across SPV limited companies, HMOs/MUFBs and portfolio underwriting (PRA rules, ICR stress testing, exposure limits) with access to 130+ BTL lenders.

Trusted & transparent — 2,500+ verified 5-star reviews; clear fee policy (no advice fee, application fee on offer only); GDPR-secure process with soft-search MIP (no credit impact).

The best buy-to-let mortgage deals

When you intend to buy a property to rent it out, turn it into a recreational respite from hectic city life or a sensational sleepy getaway for holiday goers, you’ll need a buy-to-let mortgage.

With a buy-to-let mortgage, you let out your property rather than live in it yourself. It’s a great way to invest money and also earn income passively, but the prospect of letting out a property comes with a slew of tax and mortgage implications that could make you think twice about this amazing opportunity.

Worry not, here at the Mortgage Broker we have specialist advisors to help you navigate the world of buy-to-let mortgages. Working with one of our advisors, we’ll discuss all your options for setting up a buy-to-let mortgage for your new purchase, a property you already own or one that you have inherited.

• Looking to create an investment out of a property?
• Going to rent out a property that you own?
• Need to know your buy-to-let mortgage options?

How to get a buy-to-let mortgage

Buy-to-let mortgages work differently than your standard residential mortgage. It is a type of mortgage sold specifically to someone looking to rent out a property, rather than live in it.

There are many options available through the high street and specialist lenders, a dizzying array of options in fact. We cut right through the noise to discover the best deals for your circumstances. With only a few details from you, we’ll get to work.

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All you’ll need to do is sit back, put your feet up and relax, while we hunt down the most favourable rates to get you into a buy-to-let mortgage as painlessly as possible.

By getting buy-to-let mortgage comparisons from an incredible range of lenders across the country, including specialist lenders, we’ll be able to find deals you won’t find anywhere else on the market.

What are the benefits of a buy-to-let mortgage?

The potential for future earnings is very high – Property values have increased in the UK over time. This is a trend that won’t necessarily continue forever but in general, property is seen as one of the most stable investments you can make. The potential for long-term gains is excellent when compared to other methods of investment.

Passive income – Having a stream of rental income will give you steady revenue that you require very little work to gain. Like everything, this is no guarantee and can depend on how you manage the property and your tenants. Having a rental property is a great way to generate extra income, and though the initial amount of work may be intensive, afterwards, you will reap the rewards.

Building your investment portfolio – It’s always better to diversify your investments if possible. Adding a buy-to-let property does just that; spreading the risk of your investments over different types of assets increases the probability of a steady return.

Payments in-line with inflation – The value of your second home as well as rent costs usually increase in tandem as interest rates change. This is somewhat of a double-edged sword as inflation can skyrocket (as we’ve seen in recent times), leading to rents spiralling out of control to cover the costs of paying the interest on the home.

Even including periods of potential instability, in the long run, a buy-to-let property offers far more benefits than other types of investment.

How much will my buy-to-let mortgage cost?

The amount you’ll be able to borrow depends on a number of factors:

Take a look at our buy-to-let mortgage calculator to get a rough idea of the amount you will be able to borrow based on a few personal financial details.

Standard let

The most common option. This is when a property is let to one family, on one tenancy agreement for a set rent amount every month.

House of multiple occupancy

The House of Multiple Occupancy (HMO), is rented to a group of unrelated individuals. The rooms will be rented on a room-by-room basis and you can even have different rent rates per room with multiple tenancy agreements running at once.

An HMO usually covers anything from 2 rooms up to a whopping 10-20 individual rooms! Added to this you will also have communal kitchens and bathrooms.

When your rental property is an HMO, you’ll find that many local authorities require specific licensing. Most mortgage lenders will expect that you are an experienced landlord if you’re looking at HMO tenancy for your buy-to-let property. This indicates that you will be able to deal with the added complications of a multiple-tenancy home and are therefore seen as less of a risk.

Multi-units

A multi-unit building is one in which a house has been converted into flats. This usually takes the form of major renovation works carried out in a home that converts it into a liveable space for many individuals who live together but in separate parts of the building.

Each flat has its own separate entrance, exit, bedroom, bathroom and kitchen for the sole use of one tenant and not shared with any of the others.

As with HMOs, a lender will look for experienced landlords as a major advantage in securing your buy-to-let mortgage for multi-unit properties. With a multi-unit property, you may have even carried out the renovations yourself, if the property was inherited or you bought an older property to renovate as an investment.

Student let

As you can imagine, this means that you have rented out the property specifically for the use of students. These will be in University cities and have multiple bedrooms with shared facilities such as kitchens and bathrooms.

You would expect a student let to be a larger property, and as with HMOs there may be special local authority licensing you need to consider, as well as specific rules you need to follow before you can use your buy-to-let property as a home for students.

How big does my deposit need to be?

As with every mortgage, the higher your deposit, the better your buy-to-let mortgage rates will be. For a buy-to-let mortgage you’ll need a deposit of 20% as an absolute minimum. This varies from lender to lender and can be as much as 30% in some cases. Without a large deposit, you won’t have much of a chance to be accepted for a buy-to-let mortgage.

The reason for this increase in the deposit is because of the increased financial risk of owning a second home for the purposes of letting it out. Even though it is an excellent way to invest money, there is a financial risk attached if, for instance, you are unable to cultivate a regular stream of tenants whose rent will cover the costs of the mortgage and the upkeep of the building.

Things to consider before choosing a buy-to-let mortgage

You need to think about all aspects of buy-to-let before you decide to go for it. There are many things that could affect your future financial situation that are worth considering.

Rent is a taxable income

Before getting a buy-to-let mortgage we recommend getting tax advice on the property. This is because as a landlord you will be open to tax implications that differ from normal home ownership.

The fact is, rent is a taxable income. Working with one of our advisors, we’ll be able to give you all of the figures necessary to take to a property tax specialist to ensure that you fully understand all of the tax implications you will need to deal with personally when it comes to buy-to-let home ownership.

Our advisors are fully experienced in understanding the many elements of property and taxes. Although we are unable to advise you directly in this area, we can point you in the right direction and show you the areas to explore that will ensure your investment works for you, short term and long term.

Buy-to-let and let-to-buy

If you decide to rent out the property you are currently living in and move into a new property, then you are going to let-to-buy, rather than buy-to-let.

There are a few ways you can go about changing your mortgage to buy-to-let:

Consent-to-let – This is when you don’t need to release any capital from your current home for your next house purchase. In this case, you can ask your lender for ‘consent-to-let’. This is where they will change your current mortgage contract from residential to a let one.

Remortgage to a buy-to-let lender – The most common option for those wishing to let-to-buy. Remortgaging allows you to replace your current home mortgage and raise funds from your house to pay for the deposit and associated fees for the purchase of your new property.

You must never let your home with just your residential mortgage in place, convert your mortgage to buy-to-let to avoid problems with your lender. If you do this you could be in breach of contract with your lender, which will cause all manner of trouble for you!

Buy to Let Mortgage FAQ’s