Buy-to-let mortgages for new and experienced landlords
Buy-to-let lending works differently to residential mortgages. Lenders focus mainly on the expected rent, and criteria vary widely, which is why a broker can make a real difference.
How buy-to-let lenders decide
- Rental cover: the expected rent usually needs to cover the mortgage payment by a set margin, tested at a notional rate
- Deposit: commonly 25% or more, though some lenders accept less
- Your experience, income and how many properties you already own
Personal name or limited company?
Many landlords now buy through a limited company. The right choice depends on your tax position, so speak to an accountant as well — We'll find lenders for either route. Read the limited-company buy-to-let guide before deciding.
Expert tip: Remember the higher rates of stamp duty on additional properties. Factor them in before you make an offer.
Common questions
Are buy-to-let mortgages regulated?
Most buy-to-let mortgages for investment purposes are not regulated by the FCA. Consumer buy-to-let (for example, letting a former home) can be. We'll explain which applies to you.
Advice is free. A fee is payable only when a full mortgage application is submitted, and reapplications are free. Your home may be repossessed if you do not keep up repayments on your mortgage.
Helpful guides
Stamp Duty Explained: Rates & Thresholds for 2026
Current stamp duty (SDLT) rates for England and Northern Ireland, first-time buyer relief, second homes, and worked examples.
Read guideLTV Bands Explained: Why a Slightly Bigger Deposit Can Save You Thousands
What loan-to-value means, where the LTV band boundaries sit, and why a small extra deposit that drops you into a lower band can cut your rate.
Read guideLimited Company Buy-to-Let Mortgages: What Landlords Need to Know
How limited-company buy-to-let mortgages work, lender checks, deposits, personal guarantees and why tax advice matters.
Read guide