Knowledgeable experts at our sister company, Mortgage Scout, help you find and secure the right buy-to-let product, making your life as a landlord easier and more profitable.
Giving you access to more than 90 lenders and 12,000 mortgage products, Mortgage Scout will find a deal that saves you money and optimises your return on investment.
UK lenders available
Mortgage products
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Initial consultation fee
Investing in property is rewarding – but you need the best buy-to-let mortgage product to optimise your ROI.
Our partnership with Mortgage Scout gives us strong relationships with over 90 UK lenders. Plus, our experienced mortgage advisors work with hundreds of landlords, securing great deals and arranging the entire application process for you – whether it's your first buy-to-let mortgage or you're remortgaging.
Ideal for hands-off landlords, we handle viewings, paperwork, maintenance, compliance and rent collection, leaving you to enjoy the rewards.
Our rent collection service is just right for landlords who like to manage their property but need help finding tenants, collecting rent and chasing late payments.
Our let-only service is ideal for experienced landlords. We'll market the property, find a tenant and check references.
Our local property experts will visit your home to provide an accurate valuation based on deep market knowledge.
Too busy for paperwork? The Mortgage Scout team manage the lengthy application process for you, making the entire experience smoother and more efficient.
Your home could be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1%, but a typical fee is £499.
Speak to one of our friendly agents for tailored advice.
Buy-to-let mortgages are specifically designed for property investors. They typically require larger deposits (usually 25% or more), have higher interest rates and fees, and are assessed primarily on the potential rental income rather than just your personal income, unlike residential mortgages.
Lenders typically allow borrowing based on the rental income covering 125-145% of the mortgage payment. Most lenders require the property to generate monthly rent equal to at least 125% of your mortgage payment, though this can vary between providers and products.
Yes, buy-to-let mortgages typically require larger deposits than residential mortgages. Most lenders ask for at least 25% of the property's value, though better rates may be available with deposits of 40% or more. Mortgage Scout can help you find the most appropriate option for your circumstances.
While some lenders offer buy-to-let mortgages to first-time buyers, options can be limited. Many lenders prefer borrowers to already own their own home. Our Mortgage Scout advisors can guide first-time investors through the available options and eligibility criteria.
This depends on your individual circumstances. Using a limited company can offer tax advantages, particularly for higher-rate taxpayers, but involves additional costs and administration. Mortgage Scout can provide tailored advice based on your specific situation and investment goals.