Buy To Let Mortgages
Thinking of becoming a landlord or expanding your portfolio? Whether you’re an existing landlord or new to it, we have advisors who specialise in buy-to-let mortgages and can help you find the right lender.
Buy To Let Mortgage Advice
Buy-to-let mortgages work differently from residential mortgages. Instead of focusing only on your personal income, most lenders look at the rental income from the property. They usually want the expected rent to cover the mortgage payments by at least 125%–145%, though requirements vary. Deposit requirements are also higher, with most lenders asking for at least 25%.
There are many routes to consider. Some landlords choose an interest-only buy-to-let mortgage, while others prefer repayment. You might also look at a holiday let mortgage (for properties like Airbnb), or even switching your current home to a buy-to-let if your circumstances change. It’s also essential to understand how costs such as stamp duty affect your investment.
At Online Mortgage Advisor, our specialists deal with buy-to-let every day. They’ll explain your options in plain English, help you navigate lender criteria, and support you throughout the application. To explore your potential borrowing power, you can also try our buy-to-let calculator.
Read our guides
Browse our buy-to-let guides to learn about deposits, tax, rental stress tests, holiday lets, and landlord responsibilities.
Use our buy-to-let calculator
See how your anticipated monthly rental income compares to your mortgage repayments.
Compare buy-to-let mortgages
Use our industry-first comparison tool to see current buy-to-let mortgage deals across the market.
Speak to an expert
Get matched with an advisor who specialises in buy-to-let mortgages and knows which lenders are more likely to say yes.
Our advisors know how buy-to-let lenders assess applications and which deals best suit your situation. Make an enquiry today.
Our Guides
Want more details? Our complete guide explains how buy to let mortgages work, the costs to expect, and the criteria lenders apply.
Buy-To-Let Remortgages
Specialist Buy-to-Let Mortgages
Special Situations
Location-Based Buy-to-Let Mortgages
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Most lenders ask for at least 25% of the property value, although some may accept less if the rental income is strong. A bigger deposit usually gives you access to more lenders and better rates.
For buy to let mortgages, affordability is assessed differently to residential mortgages. Instead of relying mainly on your salary, lenders focus on the rental income the property will generate. They apply a “rental stress test,” which means the rent must typically cover the mortgage payments by 125%–145%.
Some lenders will also consider your personal income as a safeguard, especially if the rental coverage is tight. This approach helps them decide whether the property is a viable investment and whether you are eligible for the loan.
Yes, this is known as “let to buy.” It allows you to rent out your current home while taking a new mortgage on the property you are moving into. Lenders will look at the rental income from your existing home to check it covers the mortgage payments by a safe margin, usually 125%–145%.
They will also review your personal finances and the deposit you can put down on your new home. Meeting these criteria shows the lender that both mortgages are affordable.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.