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.

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.


    Mountview Financial Solutions is a trading style of Rosemount Financial Solutions Ltd who are an appointed Representative of Quilter Financial Services Ltd and Quilter Mortgage Planning Ltd, which are authorised and regulated by the Financial Conduct Authority. Registered as a company in England and Wales No. 5676603. Registered Office: Rosemount House, 2-4 Chequers Road, Basingstoke, United Kingdom, RG21 7PU.

    The Financial Conduct Authority does not regulate advice on deposits or National Savings & Investments products, Tax Planning, Trusts, Buy to Let Mortgages, Auto-Enrolment, Estate Planning and Wil writing.

    The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

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