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Buy to Let mortgage advisors

We are experts in Buy to Let mortgages, our advisors have a wealth of experience with both individual, Ltd company Buy to Let, portfolio landlords as well as complex incomes. Read on to find out more about Buy to Let mortgages.

Buy to Let Mortgages

What is a Buy to Let?


Its is a property bought specifically to be rented out to tenants, rather than being lived in by the purchaser.

Investors can generate an income both via the rent charged and by making a capital gain when they come the sell the property. To generate this monthly income, the rent charged must be higher than the monthly mortgage repayments. They carry risks like all investments.

  • Rising interest rates
  • Difficult Tenants
  • Unable to sell if market changes

Your tenants could potentially take out income protection which would help them pay their rent if they are unable to work due to sickness.

Rating: 5 out of 5.

“This company have been amazing when doing my buy to let mortgage on my new property”

Why us?


We are experts in Buy to Let mortgages, our advisors have a wealth of experience with both individuals, Ltd company Buy to Let, portfolio landlords as well as complex incomes.

Regardless of the complexity of your situation and circumstances we can explore potential financing routes available for your situation. 

Buy-to-let mortgages


If you can’t buy your investment property outright, you’ll need to apply for a mortgage. But this will have to be a specific buy-to-let mortgage. A standard or ‘residential’ loan is only relevant when you also plan to live in the property.

Buy to Let mortgages are different to residential mortgages. One of the main ones is how your affordability is calculated.

The financial leeway factored into rental cover calculations accounts for non-rental payments and ‘void’ periods when the property is without tenants. It reassures the lender you will still be able to meet your mortgage commitment.

A deposit on a buy-to-let mortgage also tends to be bigger than the one required for a standard loan. Most buy-to-let lenders expect a deposit of at least 25% and the very cheapest deals usually require 40% or more.

Looking for ‘Let to Buy’ instead?


Let to Buy is when you let your existing property in order to purchase a new one. This works differently to a normal Buy to Let mortgage as you will also be taking a new residential mortgage as well.


Speak to an expert

person holding phone displaying Buy to Let guide

Need more info?

We’ve written a comprehensive e-guide for Buy-to-Let investors, just like you!

It’s yours to download, keep & share, for free!

We hope it helps you along your journey

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0800 8620 840

Prospect Tree Mortgages, Acorn Barn, Wembdon Business Park, Smeeth
Ashford, Kent, TN25 6SZ

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