Buy to Let Mortgages.

Whether you're buying your first rental, growing a portfolio, or remortgaging, we'll search 90+ lenders to find the right buy-to-let deal for you. Free.

Book a free consultation How it works
90+ lenders No broker fee FCA Regulated
Overview

What is a buy-to-let mortgage?

A buy-to-let mortgage is a loan used to buy a property you plan to rent out rather than live in. Lenders assess these differently from residential mortgages. Rental income matters as much as your own, deposits are typically higher, and criteria vary widely between lenders.

How we help

Find the right deal

We'll search 90+ lenders and more than 11,000 mortgages, including specialist BTL deals that aren't on the high street, to find the right fit for your property.

Professional advice

You'll have your own dedicated broker who understands the details that matter to landlords: rental stress tests, HMOs, holiday lets, limited company structures, and more.

Our service is free

Whether you just need advice or want us to complete a full application, we don't charge you a penny. We're paid by the lender once your mortgage completes.

Who it's for

This service is ideal if you're…

Buying your first rental property
Growing an existing portfolio
Remortgaging a buy-to-let
Purchasing through a limited company (SPV)
Looking at HMOs, holiday lets, or other specialist properties

Your Mortgage in 3 Steps

From first call to completion, we handle the full application process for you.

Step 01

Tell us what you need

Get in touch and share your situation. We'll listen, ask the right questions, and explain your options clearly. No jargon, no pressure.

Step 02

We search the market

Our brokers compare deals from over 90 lenders, high street and specialist, to find the right fit for your situation.

Step 03

We handle the full application

From paperwork to completion, we manage the full application on your behalf.

Swipe or tap a card

What our clients say

★★★★★

"Leo assisted me with my BTL mortgage and has been extremely helpful. He managed to get me a great rate and I was happy with the outcome."

S
Saurabh
Director, ARB Accountants
★★★★★

"He was able to assist us with both commercial and residential mortgages and has always managed to get us a good rate."

G
Gerald
Director, Actarus Services
★★★★★

"This is our first time using the mortgage services. We are happy with the outcome and would definitely use him again."

L
Louis & Weslei
Directors, Welo Curtains

Let's have a chat

No obligation, no cost. Just honest advice about your options.

FAQ

Common questions

How much can I borrow on a buy-to-let mortgage?
Most lenders work out how much you can borrow based on the property's expected rental income rather than your personal salary. As a general guide, lenders typically want the rent to cover 125 to 145% of the mortgage payment at a stressed rate. Your personal income, other properties, and tax band can also be part of the picture. Every lender calculates this slightly differently, and we'll help you understand the range that's likely to apply to your situation.
How big a deposit do I need?
Most buy-to-let lenders look for at least 25% deposit. Some will consider 20%, and the most competitive rates usually require 35% or more. The exact figure depends on the lender, the property, and your circumstances, and we'll talk you through what's likely to be available to you.
What's the process for a buy-to-let mortgage?
It usually starts with a free call to understand your situation, the property, and your plans. We'll then search almost every lender in the market and present you with the options that fit. If you decide to move forward with one of the options we present, we'll manage your application through to completion. Our service is always free.
How long does a BTL application take?
Most BTL applications take around 3 to 4 weeks to reach a formal offer, often slightly longer than residential because lenders do extra checks on the property's rental potential. We'll keep you updated throughout.
Do you have access to specialist buy-to-let lenders?
Yes. Alongside high street lenders, we have access to specialist BTL lenders who consider HMOs, holiday lets, limited company structures, portfolio landlords, and more unusual cases. Many of them are only accessible through brokers, not directly to the public.
Can I get a BTL mortgage if I don't own my own home?
It's possible, though your options might be narrower. Some lenders prefer you to be a homeowner first, while others are open to first-time landlords who rent themselves. We'll point you towards lenders who are more likely to consider your circumstances.
Can you review my buy-to-let deal?
Yes. If your current deal is coming to an end or you're not sure whether you're still on a competitive rate, we can take a look and explain what else is available. There's no obligation to switch. We'll simply tell you where things stand.
Do you charge a fee?
No. Our advice is completely free. We're paid by the lender if you go ahead, so there's no cost to you.

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moneybox Financial Management is a trading name of Moneybox Financial Management Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Moneybox Financial Management Limited. Registered Office Address: 1386 London Road, Leigh On Sea, Essex, England, SS9 2UJ. Registered in England Number: 10974334.