Buy to let mortgages

A buy to let mortgage is designed for those who want to buy property to rent out to a third party.

As with a residential mortgage you can choose between fixed, discount, and other mortgage types, however the key difference is working out how much you can borrow. 

Mortgage advice

Buy to let mortgage lenders look at the likely rental income from the property as well as the applicant's annual income. Here are some good points to note when looking into a buy to let mortgage:

  • Loan-to-value (LTV) is generally 60%-85% for buy to let mortgages.
  • Your rental income will generally need to be around 125% of the monthly mortgage payments.
  • You can expect a buy to let mortgage to be approximately 1%-2% more than a residential mortgage.
  • Many landlords prefer a buy to let interest only mortgage. The lender will normally base affordability on the rental income which will generally need to be 125% more than the monthly payments.
  • If you are planning to create a lettings portfolio – some lenders will place a cap on the number of properties it will mortgage.

Use the buy to let mortgage calculator to work out the required rental income that may be needed from your proposed buy to let property.

For more information or to book a mortgage appointment with our partners, Embrace Financial Services, call 0800 056 4508^ or complete the form and they'll call you back to book an appointment.

The Financial Conduct Authority does not regulate most Buy-to-Let mortgages.

^ Calls may be recorded and/or monitored for training and/or data protection purposes.



Embrace Financial Services usually charges a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £499 to £999 and this will be discussed and agreed with you at the earliest opportunity.

Buy to let mortgage enquiry

By talking to an Embrace Financial Services financial consultant, you will get a clearer picture of your mortgage needs. Fill out the form below and they will contact you to book an appointment.


We will use your information in order to arrange for Embrace Financial Services to respond to your enquiry.  For more information please visit our Privacy Notice.

Call free on 0800 056 4508^

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