Buy to Let
Whether you're an experienced landlord or a first-time investor, a buy-to-let mortgage could be your key to stepping into the rental market. A buy-to-let mortgage can be a great way to generate monthly rental income or build long-term wealth through property value appreciation.
Minimum Deposit for Buy to Let
The minimum deposit required for a buy-to-let mortgage is 20% of the property's value. However, most investors choose to put down 25% or more — this often unlocks better mortgage rates and increases the chances of approval.
Where Do I Start?
Check if you meet lender criteria, which usually includes personal income requirements, expected rental income covering at least 125–145% of mortgage payments, deposit amount, landlord experience, and occupancy status. Once you understand your options, you can start searching for the perfect investment property.
Can First-Time Buyers Get a Buy to Let?
Yes! Some lenders offer buy-to-let mortgages for first-time buyers, although the criteria may be stricter. Our advisers can help you explore the options available.
Can I Let My Home and Buy Another?
Yes! This is known as Let to Buy, where you remortgage your current home onto a buy-to-let mortgage (sometimes releasing equity), use the released funds as a deposit for your new home, and take out a residential mortgage on your new property. This is a popular strategy for homeowners looking to move while keeping their existing property as an investment.
A buy-to-let mortgage can be a smart investment, but it's important to find the right deal.
Get Expert Advice