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Buy-to-Let Finance

What is it?

Buy-to-let finance (BTL finance) is a mortgage used by investors looking to buy and hold a residential property which is let to tenants. The rent from these properties is used to cover the loan repayments and may generate additional income.


Good BTL investments can offer strong yields. In addition to providing a monthly income, they are a long-term investment, and owners can benefit from increased property values over time.

Who is it for?

BTL mortgages are designed for individuals or companies looking to rent out a private property to tenants. Clients range from first-time investors, to pensioners, professional landlords, expats and investment companies.

Investors looking to take out a buy-to-let mortgage under the name of a limited company should refer to our Limited Companies / Special Purpose Vehicles section.

Top Tips

To ensure your property is a viable investment, you should undertake extensive research into the local property market to determine the demand for the specific rental accommodation.

Geographical location can often affect the appeal of a buy-to-let property. For example, if the building in question is located near a transport hub or hospital, this will improve its demand and therefore its rentability.

Many people become landlords as a part-time occupation. Whilst this is a viable way of operating, we recommend every client ensures they are in a comfortable position to manage their investment. Additional income may affect your tax band so you should also consult an accountant.

Get in touch today to discuss your investment options. A buy-to-let mortgage can be taken out under the name of an individual or a limited company.

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