Buy to let mortgage

Take a look at the buy to let mortgage rates table below to see the top 5 mortgage deals by initial rate. Click through to see the full range of deals available. This will show you the APR, initial rate, fixed term period and the reverting rate for the mortgage.

Buy to let mortgage rates


We are a specialist buy to let mortgage broker, talk to us for:

  • Full breakdown of Early Repayment Charges, APR and fixed rate periods
  • Unbiased mortgage recommendation: we have no ties to any lenders
  • Get a great deal thanks to our comprehensive lender search
  • Access deals up to 85% loan to value
  • No minimum personal income required (rental, pension, investment and part-time income considered)
  • Less hassle for you: our team will process your case to completion
  • Decision in principle from a lender commonly within two hours

Who we can help *:

* Subject to other criteria

We can also help with:

  • Products with free valuations and solicitor’s costs
  • Buy to let mortgages with no ERCs (early repayment charges)
  • Buy to let mortgages for both individuals and limited companies, with up to four-way ownership
  • British nationals living abroad and non-British nationals with three or more years’ residency
  • Second mortgages on buy to let properties
  • Uninhabitable properties and properties going through probate

Buy to let mortgages explained 

If you wish to invest in residential property to let to paying tenants, you cannot use an ordinary mortgage. You will need a specialist buy to let mortgage product instead. 

Demand for buy to let finance has soared since it first took off in 1996. By the end of 2014, around 15% of all outstanding mortgages in the UK were buy to let loans. Competition has led to a booming market, with diverse products available to suit all kinds of property investors.

As a specialist mortgage broker, our goal is to find you a great deal on a product tailored to your requirements. Your advisor will undertake a comprehensive search of products from a wide range of lenders.

The minimum buy to let deposit is 15% of the property value

Buy to let investors must put down larger cash deposits than owner-occupiers. The most any lender will agree to lend is 85%, leaving the borrower to cover the remaining 15%. (This is an 85% loan to value, or LTV, mortgage.)

Compare low-deposit mortgages

Not all lenders allow borrowing up to 85% LTV. Most lend no more than 70–75% of the property value. And if you want to qualify for products with the lowest interest rates, you will need to borrow no more than 60%.

60% LTV mortgages are more suitable for risk-averse investors who prefer a larger equity buffer. Between the lower interest rate and smaller loan size, they also allow investors to keep their repayment costs down. And if your eventual goal is to have an unencumbered property, 40% of equity gives you a good start.

Read our UK landlords guide for 2018 

Make sure you stay up to date with the latest changes in buy to let so you can continue to invest your money wisely.
Our buy to let guide for 2018 and beyond helps you navigate and understand the changes that affect the buy to let market. Find out about new tax rules and changes to important legislation that impacts how you run your rental property portfolio from day to day.