Thinking About Buy to Let
Buy-to-let property can offer rental income and long-term investment growth, but it comes with different rules compared to a residential mortgage. Understanding how buy-to-let works is crucial before becoming a landlord.
Key points for buy-to-let mortgages:
Rental income is key
Lenders primarily assess the property’s rental income to ensure it covers the mortgage payments with a safety margin.Bigger deposits
Most buy-to-let mortgages require at least a 20%–25% deposit.Interest-only is common
Many landlords prefer interest-only mortgages to keep monthly payments lower and manage long-term investment returns.Tax and regulation
Tax rules and landlord obligations have changed significantly — expert advice helps you avoid pitfalls.
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We offer full guidance on whether buy-to-let is right for you, how to structure ownership, and what lenders will expect.
"Buy-to-let can be a rewarding investment — but it’s important to plan carefully from the start. We help landlords navigate lender criteria, legal responsibilities, tax implications and long-term financial planning."