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What are Buy-to-Let mortgages?

Buy-to-Let mortgages are for those who wish to purchase a property as a form of investment rather than to occupy it, with the intention of renting the property out to tenants to generate income. As the property is not commonly a place of residence for the owner, lenders will often require you to have an existing mortgage or property to be eligible to Buy-to-Let. 

The Buy-to-Let market is becoming increasingly diversified, and with plenty of mortgage products to choose from it can be hard to determine which are right for you. We have provided some examples of Buy-to-Let mortgages below to assist you in narrowing down your options:

Limited Company Buy-to-Let
Limited Company Buy-to-Let mortgages are for professional landlords operating their properties as a business. Most lenders will require the sole purpose of the company to be for the buying and renting of properties, although some lenders will allow exceptions to this. 

House of Multiple Occupancy
House of Multiple Occupancy (HMO) Buy-to-Let mortgages are for landlords who own larger properties and wish to rent to individual tenants within a shared space, rather than letting to a large single family. Types of HMO include shared houses, hostels, flats, halls of residence and employee accommodation to name a few. 

Expat Buy-to-Let
Expat Buy-to-Let mortgages are suitable for UK nationals residing abroad who wish to invest in the UK property market. Due to the increased paperwork required to perform checks and credit searches while living abroad, Expat Buy-to-Let mortgages are considered a form of specialist lending and can be harder to obtain. Our team of friendly experts will assist you in finding a suitable specialist lender to secure the right mortgage for you.

Consumer Buy-to-Let
Consumer Buy-to-Lets are designed for non-professional landlords who are not renting property as a main source of income or in the capacity of a business or investment. They are also designed for ‘accidental’ landlords who have acquired the rental property through unplanned circumstances, such as inheriting a relatives property or moving in with a partner. Consumer Buy-to-Let mortgages are a way for lenders to take this into consideration and regulate the mortgage similarly to a standard residential mortgage. Whether you think you may be eligible for a Consumer Buy-to-Let mortgage as a nonprofessional landlord or an accidental landlord, our team will take your circumstances into consideration and give you the support you need to help you navigate the Buy-to-Let space.

Regulated Buy-to-Let
Regulated Buy-to-Let mortgages are for those who wish to rent an additional property to immediate family members. Due to the nature of the letting and the incurred risk involved, this type of Buy-to-Let mortgage requires stricter guidelines from the FCA and can be more difficult to obtain. Our friendly team of experts will work with you to find you a specialist lender who will consider your application.

How we can help

From initial discussions of the options open to you and providing you with all the information you need, our advisers will guide you through every step of the process regularly, keeping you informed and liaising with you to ensure your Buy-to-Let application progresses smoothly. Our team are here to support you with any enquiries and help you may need with your application, so that you can stay on track to meet your goals. We have access to exclusive deals you will not find anywhere else and work with over 50 lenders to identify the best deal tailored to you. We will keep you updated with a clear timeline from initial call to offer, keep you informed of costs and guide you through until your mortgage is in place. We will also review protection options for you to ensure you can stay in your home.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

At Saffron Mortgage Finders our clients are at the heart of everything we do.

We bring with us many years experience, helping our clients navigate the options available to them through clear information and guidance for their mortgage and protection needs. With access to products from over 50 of the UK's best known lenders & providers, we can ensure we find the right outcome for you. With reduced fees for Saffron Building Society Members.

Speak to our friendly team