Buy-to-Let Mortgages 

Jones & Young provide Buy-to Let mortgage products to landlords to help them grow their property portfolio. 

Make a Mortgage Enquiry

What is a Buy-To-Let mortgage?

A Buy-to-Let mortgage is a mortgage product specifically designed for people who are buying property as an investment, rather than as a place to live.

If you plan to rent the property out to tenants, you can use the rental income you earn to cover your mortgage payments. Buy-to-Let mortgages are often slightly more expensive than regular residential mortgages, due to the perceived extra risk by the lender.

Specialist Mortgage Advice To Help You Secure The Home You Deserve!

75-80% Loan to Value (LTV)

Loan to Value(LTV) options typically 75 - 80%

Trusted Advice

Clear and concise advice around the best options for your needs.


Helping customers cut through the noise to understand things their way.

No Income Used

No Income is required for BTL lending as the rent is used to assess affordability

Specialist Rates

We offer competitive rates ensuring the best price for our customers

30+ Years As Mortgage Advisers

Providing business owners and the self employed with mortgage advice

Individual Tailored Advice For Mortgage & Protection

Tailored advice recommended for your personal situation

Whole Of Market Access

Access to the whole of market mortgage market to find you the best deal

How does a Buy-to-Let mortgage work?

A Buy-to-Let mortgage works much like a standard mortgage, with a few key differences. The mortgage rate for a Buy-to-Let mortgage is typically higher, and you will likely be required to put down a larger deposit. Importantly, Buy-to-Let mortgages are usually interest-only. This means the monthly mortgage payment will only cover the interest rate on the loan, while the original amount borrowed will be repaid at the end of the mortgage term.

What are the key factors to consider when applying for a Buy-to-Let mortgage?

Key factors to consider when applying for a Buy-to-Let mortgage include the potential rental yield, interest rates, repayments, eligibility criteria, and the financial conduct authority regulations that Buy-to-Let landlords need to adhere to.

Is it necessary to be a landlord to get a Buy-to-Let mortgage?

Yes, typically, to be eligible for a Buy-to-Let mortgage, applicants need to either already own a property or have the intent to purchase a property to let out to tenants as a landlord.

How are Buy-to-Let mortgage rates determined?

Buy-to-Let mortgage rates are usually influenced by the loan-to-value (LTV) ratio, the interest rate environment, the portfolio of properties owned by the applicant, and the overall financial standing of the applicant.

What is the best Buy-to-Let mortgage?

It’s difficult to categorically state what the best Buy-to-Let mortgage is, as it significantly depends on your personal circumstances, such as your expected rental income, your LTV (loan to value), and your status as a landlord. A tool like our Buy-to-Let mortgage calculator can be valuable for comparing Buy-to-Let mortgage rates and finding the best deal for you.

Always, remember that your property may be repossessed if you fail to keep up repayments on your mortgage.

Am I eligible for a Buy-to-Let mortgage?

To be eligible for a Buy-to-Let mortgage, lenders will typically look at the potential rental income from the property, with rental income typically needing to be 25–30% higher than your mortgage payments. Lenders will also assess your personal income, credit history, and whether you already have an existing portfolio of property.

Read What Our Recent Clients Say About Our Buy-to-Let Mortgage Services

Related Articles For Buy-to-Let Mortgages

What Do Mortgage Lenders Look For? The Complete Guide

Frequently Asked Questions on Buy-to-Let Mortgages:

Jones & Young have done our best to try and answer some of the most frequently asked questions about Buy-to-Let mortgages:

How Does a Buy-to-Let Mortgage Differ from a Standard Residential Mortgage?

 While similar in many respects, Buy-to-Let mortgages are different from standard residential mortgages in several key ways.

  • lenders usually require a larger deposit for Buy-to-Let mortgages, often 25% or more of the property’s value.
  • The fees and interest rates are often higher than for a standard residential mortgage.

 A Buy-to-Let mortgage application is considered differently from a standard residential property application. The potential for rental income and the affordability of the loan payments are primary considerations. That said, each mortgage provider has their unique set of requirements, hence consulting a mortgage adviser is a good practice.

Buy-to-Let mortgage rate is the interest charged on the loan you take out for a buy-to-let property. The best Buy-to-Let mortgage rates generally depend on various factors such as your monthly rental income, market conditions, and the lender’s terms and conditions.4. Are Buy-to-Let Mortgages Regulated by The Financial Conduct Authority (FCA)?

Lenders have different limits on how many buy-to-let mortgages you can get with them. There are also caps based on your full property portfolio, counting mortgages from other lenders too. Many mainstream lenders only allow 3-5 buy-to-let properties. But some lenders specialise in portfolio landlords with 4+ properties.
Buy To Let Mortgages
Scroll to Top