Buy-to-Let Mortgage
Whether you’re an accidental landlord or expanding your portfolio, you’ve found us for a reason. You need a buy-to-let mortgage.
Let’s explore why.
We are Connect Experts—a platform that helps clients find mortgage advisers based on expertise, gender, location, and language. These factors could be why you’re here. Now, let’s focus on expertise.
What is a Buy-to-Let Mortgage?
A buy-to-let mortgage is for those buying a property to rent out rather than live in.
How Does a Buy-to-Let Mortgage Work?
A buy-to-let mortgage works much like a standard mortgage. You borrow against the property’s value, pay a deposit, and repay the loan over time.
As with residential mortgages, you can choose between interest-only or repayment mortgages.
- Interest-only mortgages: You only pay the interest each month and settle the full loan amount at the end.
- Repayment mortgages: You repay both the interest and part of the loan, so you own the property outright by the end.
You can also select a mortgage type that suits your budget and financial goals.
- Fixed-rate mortgages: The interest rate stays the same for a set period, offering stability.
- Variable-rate mortgages: The interest rate changes, affecting monthly payments.
Finding the right mortgage depends on your investment strategy, risk tolerance, and long-term plans. Use Connect Experts to find a specialist who can guide you.
Other Services we provide
Types of Landlords and Their Mortgage Needs
Short-Term Bridge Loans
For investors needing quick financing, short-term bridge loans offer fast access to funds. These loans help secure property purchases before arranging long-term finance.
Limited Company Buy-to-Let
Many landlords opt for a limited company buy-to-let structure to benefit from tax efficiencies. Specialist lenders offer mortgages for properties owned through a company rather than personal ownership.
Holiday Lets
Unlike traditional buy-to-lets, holiday let mortgages cater to properties rented on a short-term basis. Lenders consider projected rental income rather than standard tenancy agreements when assessing affordability.
Non-UK Resident Buy-to-Let
If you live abroad, securing a non-UK resident buy-to-let mortgage can be complex. Many lenders require a UK bank account and may impose stricter terms. Specialist advisers can help find suitable deals.
Portfolio Landlord
If you own multiple buy-to-let properties, you are considered a portfolio landlord. Lenders assess your overall portfolio, rental income, and outstanding loans before approving additional borrowing.
Mortgage Rate Ending
If your buy-to-let mortgage rate is ending, it’s essential to secure a new deal before moving onto a lender’s standard variable rate (SVR). Remortgaging can help reduce costs and improve profitability.
HMO Property
A House in Multiple Occupation (HMO) is a property rented by multiple tenants who are not part of the same household. HMO mortgages have stricter lending criteria but offer higher rental yields.
First-Time Landlord
If you’re new to property investment, securing a first-time landlord mortgage can be challenging. Lenders may require a larger deposit and assess your financial stability before approving your loan.
Find the Right But-to-let Mortgage Adviser
Finding the right mortgage adviser can be challenging, especially when your needs are specific. Expert advice is essential if you’re a first-time landlord, a portfolio investor, or require a specialist mortgage for an HMO, holiday let, or limited company.
This is where Connect Experts helps. Instead of searching through countless brokers, our platform lets you find a mortgage adviser based on expertise, location, language, and even gender—ensuring you receive advice tailored to your needs.
Avoid time-consuming, generic recommendations. Find the right buy-to-let mortgage expert today and take the next step towards securing the best deal for your investment.