Buy-To-Let Mortgages
Secure a buy-to-let mortgage to purchase, refinance, or expand your property portfolio, generate rental income, and build long-term financial growth.
This will not effect your credit score
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So, what exactly is a buy-to-let mortgage?
A buy-to-let mortgage is a specialist loan designed for landlords and investors who want to purchase or refinance residential property to rent out. Unlike standard residential mortgages, buy-to-let mortgages are tailored for investment purposes, helping you generate rental income while building long-term wealth through property ownership.
Buy-to-let mortgages can be used to buy single properties, expand into multiple units, or refinance existing rental properties to release equity for further investment. They are typically secured against the property and offer flexible terms to suit both first-time landlords and experienced portfolio investors.
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What are the advantages of a buy-to-let mortgage?
"A buy-to-let mortgage gives landlords and investors the tools to expand their portfolios with confidence. It’s about securing the right funding to build consistent rental income and long-term financial stability."
Kelly Moody - Senior Property Finance Broker
1. Generate Rental Income
Turn your property into a steady income stream with regular rent payments.
2. Build Long-Term Wealth
Property ownership helps grow equity and provides a strong long-term investment strategy.
3. Expand Your Portfolio
Buy-to-let mortgages make it possible to purchase multiple rental properties over time.
4. Flexible Finance Options
Choose repayment or interest-only mortgages to suit your cash flow and investment goals.
How we can help you
What can a Buy-to-Let Mortgage be used for?
Discover the opportunities your business can unlock with the right commercial property finance.
Application Process
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Discover our streamlined process for securing tailored property financial solutions. We keep our property finance options transparent, with no hidden fees or unpleasant surprises. This is property finance made easy. Our no-obligation application won't impact your credit score.
Initial Enquiry & Quick Assessment
Tell us about your property finance needs - whether it’s a commercial mortgage, bridging loan, or development finance. We’ll carry out a quick eligibility check and let you know your options.
Detailed Consultation & Documentation
A dedicated property finance specialist will discuss your project, review financials, property details, and gather the required documents (valuations, accounts, tenancy agreements, or development plans).
Tailored Finance Proposal
We’ll source the most competitive terms from our panel of lenders, tailored to your project. You’ll receive a clear, no-obligation proposal outlining rates, terms, and conditions.
Lender Approval & Legal Process
Once you’re happy with the proposal, we’ll guide you through lender approval, valuations, and legal due diligence.
Funds Released
Upon completion, funds are released directly - whether to purchase your property, refinance, or fund your development project.
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FAQ
Your most common questions answered...
Got questions? We've got the answers... See below the our most commonly asked questions! If you still need help then be sure to get in contact and we'll be happy to help.
What is a buy-to-let mortgage?
A buy-to-let mortgage is a loan designed for purchasing or refinancing property that will be rented out to tenants.
How is it different from a residential mortgage?
Residential mortgages are for owner-occupied homes, while buy-to-let mortgages are specifically structured for rental properties and investment.
How much can I borrow with a buy-to-let mortgage?
The amount depends on the property’s value, your deposit, and the expected rental income. Lenders usually require rental income to cover 125–145% of the mortgage repayments.
Do I need a large deposit?
Most buy-to-let mortgages require a deposit of around 20–25%, though this varies depending on the lender and property.
Can I get a buy-to-let mortgage as a first-time landlord?
Yes, some lenders offer options for first-time landlords, though experienced investors may have access to more flexible terms.
What kind of credit rating do I need?
A good credit rating helps secure the best rates, but some lenders will still consider applications with less-than-perfect credit.
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Highly Competitive Rates
Borrow between £10K - £10 Million
Fast Application Process
No effect on your credit score
Grace Rust
Property Finance Broker
Approved Business Finance Ltd is an independent asset finance brokerage and a credit broker, not a lender. We work with a panel of lenders to find suitable finance options for your needs. If you enter into an agreement with a lender, typically we will receive commission for introducing you to them. We are committed to delivering high standards of service and handling any concerns promptly. Approved Business Finance Ltd is authorised and regulated by the Financial Conduct Authority, FRN 1020031. ICO Registration Number: ZB424677. Registered in England and Wales (Company No. 11914014). Registered office: Seebeck House, Seebeck Place, Milton Keynes, MK5 8FR.
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