Buy-to-let mortgages

Buy-to-let mortgages are designed to help landlords buy property to rent out privately.

Most will require a deposit of at least 25% of the property's value, and will insist that the rent you get for the property is equivalent to at least 120% of the mortgage payment you owe the lender each month. Some will also ask that you as a landlord have another stream of income, rather than relying on your tenants' rent.

There are over 50 lenders offering buy-to-let mortgages in the UK, mostly available via professional advisers. The rates charged are higher than those offered on residential mortgages, but not hugely so. Fees, however, can be hefty.

If you would like to speak to an adviser about arranging a buy-to-let mortgage, click here. or visit our calculators to find out how much a buy-to-let mortgage would cost you.

buy to let mortgage

London drives buy-to-let landlord increase

The cost of agreeing a new tenancy rose by 3.7% in the last year as the buy-to-let market benefited from slowing house prices.

Mutual hands

P2P lender Landbay revamps its mortgage range

Peer-to-peer lender Landbay has revamped its product offering.


Higher earners dominating housing market

Appetite for mortgage finance is increasingly from higher earners as they compete with the buy-to-let market, according to the Mortgage Advice Bureau.


Rental costs up 1% in a year, says ONS

Private rental prices paid by tenants in Great Britain rose by 1% in the 12 months to September 2014, according to the Office For National Statistics (ONS).

Cupcake with birthday candles

Buy-to-let market celebrates 18 years of lending

Paragon Mortgages has released a report to celebrate the buy-to-let sector’s 18th birthday, which has gone from a standing start in 1996 to gross lending of £20.7bn last year.


Leeds and Halifax launch five-year fixed rate deals

Leeds Building Society and Halifax have launched five-year fixed rate mortgages for buy-to-let, home mover and first-time buyer borrowers.


Coventry refreshes buy-to-let offering

Coventry intermediaries has launched a number of new buy-to-let products, with rates starting at 2.99%.

buy to let mortgage

Buy-to-let gone bad: five hallmarks of a bad landlord

More than half of tenants have had a problem with their landlord or letting agent in the last five years. Here are the most common ways that buy-to-let goes bad.

to let

Trade body unveils buy-to-let code of conduct

The Council of Mortgage Lenders (CML) has revealed a statement of practice for buy-to-let lending in response to an EU Directive.


Tenants wait average of 31 days for household problem fixes

Almost a third of renters said waiting for household appliances to be fixed remains the biggest rental problem, with people waiting over a month for landlords to attend to boilers, heating or electricity glitches.


HMRC launches crackdown on property tax dodgers

A taskforce tackling people trying to dodge property tax in the north west and north Wales has been launched by HM Revenue and Customs (HMRC).


Virgin Money cuts buy-to-let rates

Virgin Money has ramped up its bid to become a competitive player in the buy-to-let market by cutting rates across its fixed rate and tracker mortgages up to 0.80%.

Empty pockets

Landlords lose out over lack of advice

Buy-to-let landlords are failing to realise the maximum return from their property investments by not seeking advice or carrying out research ahead of their purchases.

house price

Buy-to-let remains profitable

Buy-to-let landlords continue to enjoy strong profitability thanks to rising property prices, figures from The Model Works have shown.

to let

RBS introduces cap on buy to let mortgages

The Royal Bank of Scotland has introduced a 4.99 times loan-to-income cap per application for all buy-to-let business.

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