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Buy-to-Let Finance

What is it?

Buy-to-let finance (BTL finance) refers to a mortgage for a residential property that is bought with the intention of being let out to tenants. Rental income is then used to cover the loan repayments and can also generate additional revenue.


Many BTL properties can be very good investments. Not only can they offer strong yields, but they can also provide a monthly income. With an increase in property value over time, they are also a fantastic long-term investment.

Who is it for?

BTL mortgages are suitable for investors who are looking to purchase a residential property that will be let out to tenants. This funding is designed for both individuals and companies ranging from first-time investors to professional landlords and investment companies.

For buy-to-let mortgages under the name of a limited company, please refer to our Limited Companies / Special Purpose Vehicles section.

Top Tips

Extensive research into the local property market should be undertaken before purchase. This will help determine the demand for the specific rental accommodation and therefore indicate if it is a good investment.

You should always consider the geographical location. That is because it can strongly affect the appeal of the buy-to-let property. You should look at local transport hubs, schools, shops etc. as these may have an impact on rentability.

When investing in a property, landlords should always ensure that they are in a position to manage their properties accordingly. Some become landlords part-time to generate additional income, but you need to ensure that you can comfortably manage your investment.

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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