What deposit do I need for a buy to let?

Typically 25% minimum, though some lenders offer 20% LTV products. Higher deposits secure better rates.

Can I live in a buy to let property?

No, buy to let mortgages are specifically for properties rented to tenants. Living in the property would breach your mortgage terms.

Do I pay stamp duty on buy to let?

Yes, and an additional 3% surcharge applies on buy to let purchases on top of standard stamp duty rates.

Can I get a buy to let mortgage as a first time buyer?

Some lenders will consider it, but criteria are stricter. Most prefer you to already own your own home.

Interest only or repayment for buy to let?

Most landlords choose interest-only to maximize cash flow, but repayment builds equity. Your broker can advise on the best strategy.

Buy to Let Mortgage

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How does the Buy to Let mortgage process work?

Compare BTL deals

Enter your details and compare buy to let mortgage deals from across the market.

Choose your deal

Select the deal that works best for your investment — considering rates, fees, and rental yield.

Submit your application

Complete your application online. We'll handle the lender communication and paperwork.

Valuation & legal work

Your lender arranges a valuation and solicitors handle the conveyancing.

Completion

Your buy to let mortgage completes and you can start letting your property.

Buy to Let Tools & Support

BTL Mortgage Calculator

Work out how much you could borrow and what the repayments would be on a buy to let mortgage.

Compare BTL Rates

See the latest buy to let mortgage rates from across the market.

Rental Yield Calculator

Calculate the potential rental yield on your investment property.

Do I need a broker for a buy to let mortgage?

Yes — especially if:

You want to compare BTL deals across the whole market
You're a first-time landlord and need guidance on rental yield requirements
You have multiple buy to let properties and need portfolio advice
You want access to specialist BTL lenders not on the high street
Your circumstances are complex — limited company purchase, HMO, or overseas income

Buy to let mortgages have different criteria to residential mortgages. A broker can navigate the specialist market and find you the best deal for your investment.

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Frequently Asked Questions

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