Buy-to-let mortgages, made simple.
A buy to let mortgage is designed for property you plan to rent out rather than live in. It works differently from a standard home mortgage, so it’s worth getting the right advice before you buy. We’ll help you understand your options, whether this is your first rental property or your tenth.
- A different kind of mortgage. If you’re buying a property to let, you’ll normally need a buy to let mortgage rather than a residential one. Using a standard home mortgage for a rental can break its terms.
- Lenders look at the rent. They usually consider the rental income the property should bring in, alongside your own finances.
- Costs and deposits are often higher. Buy to let mortgages commonly need a bigger deposit, and rates and fees can be higher than on home mortgages.
- Not everyone qualifies. Lenders have their own criteria, so we’ll check which ones suit your situation before you apply.
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The questions every property investor wants answered.
What is a buy to let mortgage?
It’s a mortgage designed for a property you plan to rent out rather than live in. Lenders look at the rental income the property should bring in, as well as your own finances.
How much deposit will I need?
Buy to let lenders usually ask for a bigger deposit than for a home mortgage, and often 25% or more. The exact amount depends on the lender and the product.
Can I get a buy to let mortgage as a first-time buyer?
Some lenders will lend to first-time landlords, but each has its own rules. Many expect you to own a home already.
How do lenders decide how much I can borrow?
They typically test whether the expected rent covers the mortgage payments with a margin to spare, and they also look at your income and credit history.
Your journey
From first chat to front door.
1
Free first call
We get to know you, your plans and your budget. No credit check.
2
Agreement in Principle
So estate agents know you’re serious when you find the one.
3
Offer accepted, we apply
We recommend the right deal and handle the full application with the lender.
4
Keys in hand
We chase lenders, solicitors and agents and keep you updated until completion.
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Testimonials
What our clients say.
★★★★★
Absolutely brilliant service! Dan went above and beyond to ensure I secured the best possible mortgage for my situation. He dealt with problems in the process that weren’t even his responsibility, just to make sure everything stayed on track and completed faster. His support, expertise, and responsiveness made the whole experience far less stressful. Highly recommend!
Emma Prudom
Residential Purchase
★★★★★
Daniel was very helpful and professional finding us a new mortgage deal. He always kept us updated on what was going on and the best deals. Very pleased with the service we received and Daniel sorted everything out for us and advised us on the best deal for us. Would highly recommend Your Door Mortgage Advice.
Tiffany McCourt
Residential Remortgage
★★★★★
Outstanding and well organised service from start to finish.
Andrew Needham
Buy-to-Let Remortgage
Working with lenders including:
Getting ready
You don’t need anything to get started.
For the first call, just bring your questions. When it’s time to apply, we’ll ask for:
- Photo ID
- Proof of address
- Recent payslips
- Bank statements
- Proof of your deposit
- Details of any credit
Liam Ryder
Financial Services Administrator
Helping people take their first steps into property investment is something we’re passionate about. We love supporting new landlords as they navigate the buy-to-let market, find the right opportunities, and build confidence in their decisions. Our aim is to make the process as straightforward as possible, offering honest advice and personal support at every stage, so you can feel confident about taking the next step towards building your property portfolio.
What is a limited company buy to let mortgage?
It’s a mortgage for a property bought through a limited company, often called a special purpose vehicle (SPV). It needs a specialist lender, and you should take tax advice first to see whether it suits you.
What counts as a portfolio landlord?
Lenders usually treat you as a portfolio landlord if you own four or more mortgaged rental properties. They’ll look at your whole portfolio rather than just the new purchase, so it helps to have the details ready.
What if I want to rent out my current home?
You’ll normally need your lender’s permission, which may be called consent to let, or a switch to a buy to let mortgage. Letting without telling your lender could breach your mortgage terms, so speak to us before you do anything.
What costs should I budget for as a landlord?
As well as the deposit, you may have stamp duty (including any extra charges on additional properties), legal and valuation fees, mortgage fees, insurance and agent fees. We’ll help you see the full picture so there are no surprises.
Will I have to pay tax on my rental income?
Rental profits are generally taxable, but how much depends on your own situation and how you own the property. We can’t give tax advice, so we recommend you speak to an accountant or tax adviser.
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