Buy to let mortgage advice if you are just starting out or you are a seasoned portfolio landlord.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
THE FCA DOES NOT REGULATE SOME FORMS OF BUY TO LETS
Buy to let properties can be complicated so we have put together this page to break down your options easily.
One or more rental properties owner in your own name. The most common route for individual landlords.
Jump to Personal →
Houses in multiple Occupation and Multi Unit Freehold blocks. Typically shared lets onthe same or multiple tenancies.
Jump to HMO & MUFB →
Buy to Let owned through a limited company – often used for porfolio landlords with multiple properties
Jump to Ltd Co →
Personal Buy to Let
Individual Buy to Let mortgages are designed for people purchasing or remortgaging a rental property in their personal name, rather than through a limited company. Here are some of the main types we advise on.
Type 01
Standard Buy to Let mortgages used when purchasing or remortgaging a rental property in your own name. Popular with individual landlords building or managing a property investment portfolio, and supported by a wide range of UK lenders.
Type 02
Apply where the property is purchased purely for investment purposes and is not occupied by you or a close family member. The most common type — typically assessed on rental income, property type, and overall affordability rather than personal income alone.
Type 03
Some Buy to Let mortgages are FCA regulated — usually where the property has been previously lived in by you, has been inherited, or will be occupied by a close family member. These situations require specialist advice to comply with regulatory requirements.
Type 04
Used when you plan to rent out your current home in order to purchase a new residential property. Typically involves arranging a Buy to Let mortgage on your existing property alongside a residential mortgage for your onward purchase.
HMO & MUFB Mortgages
HMO (House in Multiple Occupation) and Multi-Unit Buy to Let properties can offer higher rental yields, but they also come with additional lending, licensing, and underwriting considerations. We specialise in arranging mortgages for these more complex investment types.
Consideration 01
HMO mortgages apply where a property is rented to 3 or more tenants forming more than 1 household, who share facilities such as kitchens or bathrooms. Many lenders treat HMOs as specialist cases due to higher tenant turnover and management complexity. We work with lenders experienced in HMO lending and will guide you through criteria around rental income, property layout, and landlord experience.
Consideration 02
Some HMOs require mandatory or local authority licensing, depending on the number of occupants and the property’s location. Lenders will often expect confirmation that the property meets all relevant licensing and planning requirements. We’ll help you understand what documentation may be required and ensure your mortgage application aligns with local council regulations.
Consideration 03
Multi-Unit Buy to Let mortgages are used where a single building contains multiple self-contained units, such as converted houses or blocks of flats, held under 1 freehold title. These cases are assessed differently to standard Buy to Let and typically require specialist lenders. We’ll advise on lender appetite, valuation considerations, and how rental income across multiple units is assessed.
Ltd Company Buy to Let
Investing through a limited company structure can be complicated. We have years of experience with landlords using SPVs or existing companies to build and manage property portfolios efficiently.
TYPE 01
Many Buy to Let lenders prefer lending to Special Purpose Vehicle (SPV) limited companies set up solely for property investment. These companies usually operate under specific SIC codes such as 68100 (Buying and selling of own real estate), 68209 (Other letting and operating of own or leased real estate), or 68320 (Management of real estate on a fee or contract basis).
TYPE 02
It’s also possible to arrange Buy to Let mortgages through non-SPV limited companies, such as established trading businesses or companies used for employee accommodation. Fewer lenders operate in this space, and criteria are often more complex, with greater scrutiny of company accounts and trading history.
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These figures are only illustrative . All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An Assessment of your needs will be confirmed before a recommendation can be made
Why Choose ME
01
We take the time to understand your property plans, ownership structure, and experience as a landlord. We explain your Buy to Let mortgage options clearly, so you know exactly where you stand and what happens next.
02
We search across a broad range of mortgage lenders to find a mortgage that suits your needs — not just the first option available.
03
Our support doesn’t stop once your application is submitted. We’ll guide you through valuations, solicitors, and completion — and we’re here to help if your circumstances or portfolio plans change in the future.
me financial
No obligation, no jargon. Just clear, honest advice from an experienced adviser who puts you first.
Common Question
With so much information about Buy to Let’s out there, it’s not hard to believe there are a number of question you may have. . These FAQs cover some of the most common questions we’re asked, helping you understand how Buy-to-Let mortgages work and what to consider before getting started.
Most Buy to Let mortgages require a minimum deposit of around 25%. While a small number of lenders may consider deposits as low as 20% in certain circumstances, this is less common and typically subject to stricter criteria. Deposit requirements can also vary depending on the property type, rental income, and your experience as a landlord.
We’ll help you understand what deposit is likely to be required based on your circumstances and the lenders available.
Buy to Let affordability is usually based on expected rental income, rather than your personal income alone. Lenders typically apply a rental stress test to ensure the rent comfortably covers the mortgage payments. Some lenders may also take your wider financial position into account.
Yes, some lenders do offer Buy to Let mortgages to first-time buyers, although the criteria can be more limited. Deposit requirements may be higher and lender choice narrower. We can advise whether this is realistic for you and which lenders are most suitable.
Most Buy to Let mortgages are non-regulated, meaning the property is purchased purely for investment and not occupied by you or a close family member.
A regulated Buy to Let mortgage applies where the property has been lived in by you, inherited, or will be occupied by a close family member. These cases require specialist advice, which we can guide you through.
Yes. Many landlords choose to purchase Buy to Let properties through a limited company, often set up as a Special Purpose Vehicle (SPV). Lenders have specific requirements around company structure and SIC codes. We’ll help ensure everything is set up correctly before approaching lenders.
A Let-to-Buy mortgage allows you to rent out your current home while purchasing a new residential property to live in. This involves arranging a Buy to Let mortgage on your existing property alongside a residential mortgage for your onward purchase. We’ll help structure both mortgages together.
Insights
No obligation, no jargon. Just clear, honest advice
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