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Buy-to-Let Mortgages

Looking to expand your property portfolio or start your journey as a landlord? Our expert advisers will help you secure the right buy-to-let mortgage for your investment goals.

Find Your Buy-to-Let Mortgage Options

Find Your Buy-to-Let Mortgage Options

Find Your Buy-to-Let Mortgage Options

Find Your Buy-to-Let Mortgage Options

Find Your Buy-to-Let Mortgage Options

Find Your Buy-to-Let Mortgage Options

Find Your Buy-to-Let Mortgage Options

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Buy-to-Let Mortgages

Looking to expand your property portfolio or start your journey as a landlord? Our expert advisors will help you secure the right buy-to-let mortgage for your investment goals.

Book a Free ConsultationCall 0800 862 0811

Find Your Buy-to-Let Mortgage Options

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Your Buy-to-Let Journey

Investing in property requires careful planning and consideration. Here's our step-by-step guide to securing a buy-to-let mortgage and becoming a successful landlord.

Assess Your Investment Goals

Determine your investment strategy, budget, and target rental yield. Consider whether you're investing for income, capital growth, or a combination of both.

Save for a Deposit

Most lenders require at least 5-10% of the property value as a deposit. Government schemes like Help to Buy and Lifetime ISAs can help boost your savings.

Get Mortgage Ready

Check your credit score, gather necessary documents, and understand your borrowing capacity. We'll help you prepare for the mortgage application process.

Get Mortgage Ready

Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.

Find the Right Investment Property

Research locations with strong rental demand and potential for capital growth. Consider property types that appeal to your target tenant demographic.

Find Your Dream Home

With a mortgage in principle, you can start viewing properties within your budget and make offers with confidence.

Secure Your Buy-to-Let Mortgage

We'll help you compare options from across the market to find the most competitive rates and terms suited to your investment strategy.

Complete the Purchase

Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.

Manage Your Investment

Set up efficient property management, understand your tax obligations, and regularly review your mortgage to ensure it remains competitive.

Move In

Congratulations! You've completed your purchase and can now move into your first home. We'll still be here for any future mortgage needs.

Your Buy-to-Let Journey

Investing in property requires careful planning and consideration. Here's our step-by-step guide to securing a buy-to-let mortgage and becoming a successful landlord.

  • Assess Your Investment Goals

    Determine your investment strategy, budget, and target rental yield. Consider whether you're investing for income, capital growth, or a combination of both.

  • Get Mortgage Ready

    Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.

  • Find the Right Investment Property

    Research locations with strong rental demand and potential for capital growth. Consider property types that appeal to your target tenant demographic.

  • Secure Your Buy-to-Let Mortgage

    We'll help you compare options from across the market to find the most competitive rates and terms suited to your investment strategy.

  • Manage Your Investment

    Set up efficient property management, understand your tax obligations, and regularly review your mortgage to ensure it remains competitive.

Buy-to-Let Mortgage Options

There are several approaches to buy-to-let investment, each with their own advantages and considerations.

Buy-to-let Mortgages

Buy to let mortgage lenders require a higher deposit than a residential mortgage, and have specific assessments they make on potential borrowers. It's important to seek professional and unbiased advice when planning to take out a buy to let mortgage, whether this is your first property or will be an additional property in your portfolio.

Buy-to-Let Remortgages

You can remortgage your buy-to-let to switch to a better rate or release equity and raise some cash.

HMO

Houses in Multiple Occupation (HMO) are properties that are rented out to people from more than one household on a room-by-room basis. Although HMO's in general generate more income than a traditional Buy to Let property they're also more complex, too, with licensing, planning permission and huge amounts of legislation to comply with.

Buy to Let Portfolio Lending

Allows landlords to finance multiple rental properties under a single mortgage facility. This approach streamlines management and can unlock better rates.

Let to Buy

A let to buy mortgage is when homeowners rent out their existing property to tenants and use the rental income to help fund a mortgage on a new home. It’s a popular way to move without selling, but comes with added risks, specialist mortgage products, and regulatory requirements to ensure everything stays compliant.

MUFB Mortgage

MUFB (Multi Unit Freehold Block) mortgage refers to financing for a single freehold property split into multiple self-contained flats. It’s often more profitable than standard Buy to Let, but lenders see it as higher risk. Expect specialist criteria, larger deposits, and detailed rental income assessments to secure the right deal.

How Can Friends Capital Help with Buy To Let Mortgages?

Friends Capital have relationships with buy to let mortgage lenders. We can search the entire market and get access to the best and most exclusive deals available. Then we will choose the deal that are most appropriate to your personal circumstance. We can:

  • Find you a lender that specialises in buy to let mortgages
  • Find you a deal appropriate to your personal circumstance
  • Offer unbiased financial advice
  • Give advice on what mortgage lenders will require, including giving you advice on an exit strategy for the mortgage end
  • Give you a no obligation mortgage quote
  • Deal with all the paper work, liaise with the lenders and solicitors. We will also make sure the application goes through as quickly as possible

Our experienced mortgage advisers understand the challenges buy-to-let investors face and are dedicated to making your property investment journey as smooth as possible. We'll be with you every step of the way.

Frequently asked questions

Get answers to common questions about buy-to-let mortgages and property investment.
Can I get a buy-to-let mortgage as a first-time buyer?
Yes, it's possible, though options may be more limited. Some lenders require you to be a homeowner already, while others will consider first-time landlords. You'll typically need a larger deposit (often 25% or more) and will need to demonstrate that the rental income will comfortably cover the mortgage payments.
How much can I borrow for a buy-to-let mortgage?
Most lenders calculate the maximum loan based on the expected rental income rather than your salary. Typically, the rental income needs to cover 125-145% of the mortgage payment (calculated at a stress-test interest rate that's higher than the actual rate). Your personal income may also be considered, especially for first-time landlords.
Should I set up a limited company for my buy-to-let investment?
This depends on your individual circumstances, particularly your tax situation. Limited company buy-to-let can be more tax-efficient for higher-rate taxpayers due to changes in mortgage interest tax relief for individual landlords. However, mortgage rates for limited companies are often higher, and there are additional costs associated with running a company. We recommend discussing this with both a mortgage adviser and tax specialist.
What's the difference between interest-only and repayment buy-to-let mortgages?
With an interest-only mortgage, your monthly payments only cover the interest, not the capital. This means lower monthly payments, but you'll still owe the original loan amount at the end of the term. With a repayment mortgage, you pay both interest and capital, so the loan is fully repaid by the end of the term. Most buy-to-let investors choose interest-only for cash flow reasons, with plans to either sell the property or refinance at the end of the term.
How do recent tax changes affect buy-to-let investors?
Several tax changes have impacted buy-to-let investors in recent years, including: 1) Restriction of mortgage interest tax relief for individual landlords, 2) 3% stamp duty surcharge on additional properties, 3) Changes to wear and tear allowance, and 4) Changes to capital gains tax reporting and payment deadlines. These changes have made it more important than ever to get professional advice on the most tax-efficient way to structure your property investments.
What happens if my tenant doesn't pay the rent?
This is a risk of being a landlord. We recommend having insurance coverage (such as rent guarantee insurance) and maintaining a financial buffer to cover mortgage payments during void periods or if tenants fail to pay. It's also important to thoroughly reference check tenants and consider using a professional letting agent who can help manage the relationship and take appropriate action if payment issues arise.

Ready to Start Your Property Investment Journey?

Our expert advisers are ready to help you find the right buy-to-let mortgage and build a successful property portfolio.

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