Compare buy-to-let
finance deals

Find the right commercial buy-to-let mortgage for you with our online comparison service.

Competitive buy-to-let mortgage rates available
Up to 90% loan-to-value mortgage deals
We compare the whole mortgage market

Buy-to-let finance explained

A buy-to-let mortgage is a mortgage sold specifically for those who buy property as an investment, rather than getting a mortgage for somewhere you want to live yourself.

Buy-to-let mortgages work differently to standard residential mortgages, so if you're choosing to rent out your property lenders will prefer you to finance your purchase with a buy-to-let mortgage.

The minimum deposit for a buy to let mortgage is typically higher than a standard residential mortgage - usually at least 25% of the property's value but this can vary between 20-40%.

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Buy-to-let finance made simple

Check your eligibility with our online form without affecting your credit score, but to summarise...

Borrow up to 75% of the property value
All of our partners are FCA & NACFB authorised
Capital repayment and interest only options available
Fixed and variable rates
A decision in principle within 24 hours

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Rated 5 stars for customer experience

In such a competitive marketplace, customer experience is just as important as offering competitive deals. We like to think that our 5 star Trustpilot rating demonstrates we're doing both!

Our 'one stop shop' approach to buy-to-let finance

Through our approved panel of credit brokers, you'll have access to the whole market on an independent basis as well exclusive deals not available anywhere else on the open market.

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Buy-to-let finance FAQs

Some questions (and more importantly, answers!) that are most frequently asked by our customers when using our buy-to-let finance comparison service.

: A buy-to-let mortgage is a mortgage for the purchase of a residential property with the specific aim of letting it out to tenants.
: A HMO (House of multiple occupation) is a property with multiple tenants who have exclusive access to their rooms and share a common living area such as lounges, kitchens, or bathrooms. The property can be either let as one AST (Assured Shorthold Tenancy) agreement which includes all the tenants, or each tenant can have their own individual AST agreement. Legislation requires that some HMO properties are licensed by your local authority, so it is important to check this information prior to letting the property.
: All lenders have different criteria around the number of mortgages you can hold with them. This depends upon the lender's appetite for risk and maximum amount of borrowing available with them. We work with over 100 different partners which gives us the best chance to facilitate your lending requirements.
: Unfortunately not in most cases. Buy-to-let mortgages are only available for properties which are habitable immediately. If the property you're purchasing requires improvement work before it can be let out, then you may have to take out a bridging or refurbishment finance loan. Once the work is complete you can then refinance the property using a buy-to-let mortgage.
: Deposits vary across our lending partners and in some cases it is possible to get a buy-to-let mortgage with a deposit of as little as 15%. However, borrowing rates typically become much more competitive with a deposit of 25% or more.
: No. You can have as many buy-to-let properties as you like or can afford. Most mainstream lenders will limit the amount of buy-to-let properties or borrowing to a company or individual, to limit that lender's own risk. Most landlords use a specialist buy-to-let mortgage broker to help them source funding for their growing property portfolios, which we facilitate based on your circumstances.