Finance for rental property investment. Standard BTL, portfolio landlord, HMO, limited company and expat options available.
*Indicative rates. ICR = Interest Cover Ratio. Actual rates depend on LTV, property and applicant profile.
Indicative rates from specialist BTL lenders. Rates shown are starting rates and may vary based on LTV and circumstances.
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Important: Rates shown are indicative starting rates and subject to change. Actual rates depend on your circumstances, property type, and LTV. Buy-to-let mortgages are typically not regulated by the FCA. Your property may be repossessed if you do not keep up repayments.
Calculate your potential rental yield and see if the property meets typical lender requirements.
*Calculations are indicative. Actual affordability depends on lender criteria, stress testing rates, and your personal circumstances.
Different BTL products for different investment strategies and circumstances.
For single property or small portfolio landlords. Personal name or limited company.
For landlords with 4+ mortgaged properties. Specialist criteria and assessment.
Houses in Multiple Occupation with separate tenancies per room.
Buy properties through an SPV for tax efficiency. Increasingly popular.
For UK nationals living overseas wanting to invest in UK property.
Convert your residential mortgage to BTL when moving house.
Buy-to-let has become increasingly complex. A specialist broker can help you navigate lender criteria, tax implications and portfolio structuring.
Tell us about your investment and we'll find the right mortgage.
Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Buy-to-let mortgages are not usually regulated by the FCA.
Minimum 15-25% deposit typically (75-85% LTV). Lower deposits mean higher rates. For best rates, aim for 40%+ deposit (60% LTV). Portfolio landlords and HMOs may require larger deposits.
It depends on your tax situation and long-term plans. Since 2017 mortgage interest relief has been restricted for personal name landlords (higher rate taxpayers affected most). Limited companies can deduct mortgage interest as a business expense. However, company structures have other costs (accountancy, filing) and you'll pay tax on extracting profits. Seek accountant advice for your specific situation.
ICR measures how much the rent covers the mortgage interest. Most lenders require 125-145% at a stress rate (typically 5.5%). For example, if monthly interest is £1,000, you'd need rent of £1,250-£1,450. Higher rate taxpayers buying in personal name may face stricter requirements.
Yes, but options are limited. Some lenders won't lend to first-time buyers, others require larger deposits or minimum income. It's generally harder to get approved without homeownership experience. A specialist broker can help find suitable lenders.
A landlord with 4 or more mortgaged buy-to-let properties. Since 2017 PRA rules, lenders must assess the whole portfolio, not just the property being mortgaged. This means more documentation and different affordability calculations. Specialist lenders focus on portfolio landlords.