Buy to Let (BTL) Mortgage Investment
Buy to Let mortgage investment in UK has seen boom in recent years as more and more property investors are joining this route. However, there are a lot of considerations to take before joining this route especially when you are new to property investment. It is important to understand the rental market and know the promoting areas for rental market to getting the right mortgage deal. Our experts can make the process much easier by finding the right mortgage offers and bringing BTL mortgages investment within your reach.
If you have already been in to buy to let investment and want to expand your business and then our experts can help to getting the right mortgage deal for you. More extensive involvement in buy to let mortgage investment means greater financial uncertainty, so we will always aim to give you a bigger picture.
If you are looking to buy your second home for rental income or if you are a property investor and looking to build your property portfolio, one of our experienced mortgage broker/advisor can help you find the most suitable mortgage deals for you in your nearby areas.
Mortgage Broker You Can Trust
Our Client Testimonials
Anandini Devi
2024-03-16
Thank you Mountview Financial Solutions in securing our mortgage. Best wishes!
Shaheda Moni
2024-03-15
Prasant Manandhar
2024-02-15
Exceptional professionalism, offering detailed consultations and clear guidance on the advantages and disadvantages of each option. The customer service was outstanding, and I enthusiastically recommend it.
vino mahes
2022-04-30
Excellent service provided by Mount View Financial Solution. Ranjith has helped us throughout the process, and made sure the process was happening smoothly and perfectly. We truly recommend anyone to use their service.
Cyril Joseph
2021-08-12
We would like to thank Ranjit from Mount view Financial solutions for the excellent work he has done to help get our property. He is extremely dedicated, quick responsive, very helpful, friendly and professional. His work is very good and strives hard to achieve and excel customer expectations.
We are very happy with his services and would highly recommend anyone who is trying to get on the property ladder. We also wish Mount view financial solutions immense success.
Anu Shelar
2021-02-05
Ranjit has been an absolute star!
Our BTL remortgaging needs were challenging however, his patience, optimism and knowledge of the products available is second to none.
He was always there to talk us through and emails were answered swiftly.
Big thanks to you again, Ranjit. Anu (my wife) and I would whole-heartedly recommend Mountview Financial Solution.
Best wishes, Anu & Jitu
Amit Talukder
2020-07-26
I am a first time buyer and had no idea about the process and legal commitment. Mountview Financial Solutions helped me at every step. I deal with Ranjit Kumar Singh and found his service fantastic and very professional. He was always a phone call away and made the whole process simple. I would highly recommend Ranjit and Mountview Financial Solutions to all my friends and family.
My Legal Services
2020-07-01
Satayajit Roy
2020-06-27
He did guide me right way to get mortgage done
Bina Bhushal
2020-05-24
I’m so thankful to Mr. Ranjit Singh - Mountviews Finacial Solutions - helping all the way and getting us the mortgage !
He did fantastic job from start till end ! Awesome job, humble and kind personality, thanks again to Mr.Ranjit Singh are the best at what you do, will get in touch with you soon for the new mortgage soon.
vino mahes
18:02 30 Apr 22
Excellent service provided by Mount View Financial Solution. Ranjith has helped us throughout the process, and made... sure the process was happening smoothly and perfectly. We truly recommend anyone to use their service.read more
Cyril Joseph
17:31 12 Aug 21
We would like to thank Ranjit from Mount view Financial solutions for the excellent work he has done to help get our... property. He is extremely dedicated, quick responsive, very helpful, friendly and professional. His work is very good and strives hard to achieve and excel customer expectations.We are very happy with his services and would highly recommend anyone who is trying to get on the property ladder. We also wish Mount view financial solutions immense success.read more
Edolie Noble
05:36 19 Mar 21
Amazing mortgage broker service given by Mr. Ranjit Singh on my first property of London.Thank you very much!
Lucia Bruni
09:32 24 Feb 21
I have been very impressed by Mr Ranjit’s professionalism, their impeccable mortgage service.I would highly recommend... them remortgage and first time buyer.Thanksread more
Monica Hemsworth
11:18 18 Feb 21
Second time using Mountview Financial Solutions - Excellent mortgage advice, very professional service and experience.... Will have no hesitation in using again in the future. Highly Recommend for first time home buyer & remortgage.Thanks Mr. Ranjeetread more
Anu Shelar
18:43 05 Feb 21
Ranjit has been an absolute star!Our BTL remortgaging needs were challenging however, his patience, optimism and... knowledge of the products available is second to none.He was always there to talk us through and emails were answered swiftly.Big thanks to you again, Ranjit. Anu (my wife) and I would whole-heartedly recommend Mountview Financial Solution.Best wishes, Anu & Jituread more
Erick Brand
09:43 25 Jan 21
Mr. Ranjit Singh was an absolute star from start to finish. We were first-time buyers and he made the process really... very easy & simple and found us a good deal extremely quickly. He is extremely friendly, always responded quickly and we have been recommending him to others for mortgage in London.read more
Amit Talukder
21:41 26 Jul 20
I am a first time buyer and had no idea about the process and legal commitment. Mountview Financial Solutions helped me... at every step. I deal with Ranjit Kumar Singh and found his service fantastic and very professional. He was always a phone call away and made the whole process simple. I would highly recommend Ranjit and Mountview Financial Solutions to all my friends and family.read more
Bina Bhushal
19:02 24 May 20
I’m so thankful to Mr. Ranjit Singh - Mountviews Finacial Solutions - helping all the way and getting us the mortgage... !He did fantastic job from start till end ! Awesome job, humble and kind personality, thanks again to Mr.Ranjit Singh are the best at what you do, will get in touch with you soon for the new mortgage soon.read more
RENARS VITOLINS
18:57 24 May 20
The service we received was excellent. Mr.Ranjit was very supportive all through the mortgage process and kept us... updated on every stage.Excellent 5 stars 🌟 and we will use again in the future ! We definitely recommend Mountview Financial Solutions well done 👍🏻 and a big Thank you 😊 to Mr.Ranjit !read more
Minu Dongol
17:50 24 May 20
Mountview Financial Solutions are very professional at their work and Ranjit was very professional and got me best... deal in the market and the entire process was effortless.read more
BTL Mortgage FAQs
A buy-to-let mortgage is for those who want to purchase a home to let instead of living in it.
If you are looking for secure investment and rental income for the future then Buy to Let mortgage for you. However, you also need to be prepared for the risk you are going to take. Even if the tenants do not pay the rent, you will have to pay the mortgage and your property may be repossessed if you do not keep up with the repayments on your mortgage.
Most of the lenders have a loan-to-value ratio (LTV) cap of at least 75% means a buy-to-let mortgage requires a minimum 25% down payment. Some lenders also offer BTL mortgages with an LTV of 80%.
In recent years, buy-to-let has lost much of its attraction. Due to many government measures and rising interest rates, property is no longer an exciting investment for some lenders. This is when Limited Company BTL has become very popular for investors.
Anyone applying for a buy-to-let mortgage is under affordability assessments and credit check, just like a regular mortgage. However, most of the lender lends on BTL property on the basis of properties rental income and valuation.
The Financial Conduct Authority (FCA) do not regulate buy to let mortgages.
With bad credit, getting a buy-to-let mortgage might be challenging. Good news! It’s still possible. To get a buy-to-let mortgage, you’ll need a specialised lender.
You’ll definitely need a little larger down payment for your buy to let mortgage if you’re purchasing a newly constructed home.
You may need a regulated buy-to-let mortgage if a lender decides you want to rent to a member of the immediate family, such as a parent, child, grandchild, or sibling.
Although every situation is different, getting a mortgage offer generally takes 2-4 weeks.
It is never right to break the law, and there may be dire repercussions. You cannot live in your buy-to-let home as a landlord.
Getting a buy-to-let mortgage without a minimum income can be challenging, some income is required. Only those who meet their tight lending requirements can get buy-to-let mortgages from a few loan providers, who also offer mortgages with strict income requirements.