Buy To Let Mortgage

We provide a comprehensive array of exclusive mortgages that are accessible solely through a specialist adviser, rather than through online platforms or traditional banks.

Our team will expertly guide you through the available mortgage options, recommending a solution that aligns with your unique needs, budget, and circumstances. We will clarify any complex terminology, ensuring that all your inquiries are thoroughly addressed. Furthermore, our support extends beyond mortgages; your adviser will also recommend reputable solicitors and assist you in securing home and life insurance to protect your new home and family.

Our team is dedicated to supporting you throughout the entire process, ensuring you remain informed and updated on every significant milestone.

What is the required deposit for a BTL mortgage?

Typically, lenders require a minimum deposit of 25% of the property's purchase, which can come from cash savings, gifts, or inheritances. Some options may allow for a 20% deposit, but these usually come with higher interest rates due to the risk perceived by the lender.

Consulting with an adviser is crucial, as the required deposit can also depend on the property's rental income, the lender's stress rate, and the available loan amount.

What is a stress rate?

Lenders apply a stress rate, which can differ based on whether you're purchasing personally or through a company, your personal income tax bracket, and whether you're considering a 2 or 5-year fixed rate. This rate is used to assess the loan amount at a higher interest rate than the one being offered helping lenders determine if the loan is affordable in the long term, especially in the event of future rate increases.