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Consumer Buy To Let Mortgages

A consumer buy to let mortgage is for applicants who are either looking to start a rental portfolio or build up their existing one.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2024-06-10
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What is a buy-to-let mortgage?

Buy-to-let mortgages are a type of mortgage that is specifically sold for clients who purchase properties as an investment rather than acquiring a mortgage to buy a place where they want to live in themselves.

A buy-to-let mortgage is different than a standard residential mortgage. For example, if you are looking to rent your property, most lenders will advise you to finance your purchase with this type of mortgage. But let us find you the best deal across the market so you can get the buy-to-let mortgage that will suit your needs.

How does a Buy-To-Let Mortgage Work?

Buy-to-let mortgages work as a tool for investors and landlords, allowing them to enter the rental property market hassle-free. It works in a few steps such as:

·Putting down a deposit of at least 25% of the property value

·Take out an interest-only mortgage to pay the interest each month but not the full amount

·Pay back the full amount at the end of the mortgage term

What Is The Cost Of a Buy-to-Let Mortgage?

There are a few factors that are in play when it comes to determining how much the buy-to-let mortgage will cost you. The main ones include:

- The size of your deposit

- Interests rates

- Loan term

With this type of mortgage, clients often pay the interest each month. This way it might mean that your repayments each month are cheaper than your standard residential mortgage however, you need to take into consideration your ability to repay the full cost of the debt by the end of the loan term.

You can use our buy-to-let calculator to check your mortgage affordability.

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Single or joint mortgage?
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about your mortgage

Based on your yearly income,
you may be able to borrow


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

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Who Can Get A Buy-to-Let Mortgage?

Most lenders look for a few requirements when it comes to getting a BTL mortgage. Some of them include:

-  Age – you have to be above 21 years old

-  Annual Income – the minimum you have to be earning is about £25,000

- Deposit – most lenders require a 25% deposit

- Credit history

How are the interest rates calculated?

Interest rates of BTL mortgages are influenced by multiple factors such as:

- Loan-to-value ratio

-  Your credit history and affordability

- Changes in the base rate

- Determining fixed or variable rate mortgage

What Can I Do To Get The Best BTL Deal?

Consulting with mortgage advisors and brokers is the first step toward finding your preferred mortgage deal. Learning about the market and finding the interest rates that fit you best can help you make an informed decision.

Before applying, check your credit history which can have a huge impact on your mortgage deal. Also, consider what is the best mortgage for you, whether you prefer fixed or variable rate mortgages and make a plan of how you are going to make monthly repayments.

What to know before getting a buy-to-let mortgage?

There are a few things to keep in mind before you decide to get a BTL mortgage:

- What is your rental income? – you may not have tenants at all times so you need to have a backup plan for “empty periods”

- What are the tax implications? – depending on how much you earn when you rent, you will pay different rates in income tax which is why you need to calculate all kinds of taxes that you need to pay

-  What is your loan term? – find out how long you want your agreement to last and what to do if your financial situation changes

Benefits of a Buy-to-Let Mortgage

Investors all around look for buy-to-let mortgages because of the many benefits they offer. Some of them include:

-  Generating a steady stream of rental income

-  Increasing property value over time

-  Diversified portfolio

-  Assets that keep pace with inflation better than other options

If you want to keep track of your score, check it with our Buy-to-Let Mortgage calculator. It is a free option that doesn’t do any harm to your credit rating and gives you an insight into the best mortgage deal for you. Contact our team at Revolution Brokers today to get more information.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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