A buy-to-let mortgage is specifically designed for properties you intend to rent out rather than live in. These mortgages are usually interest-only, meaning you pay the interest each month and repay the full loan at the end of the term. We’ll help you understand the options available and what best suits your investment goals.

Typically, you’ll need a larger deposit than for a residential mortgage—usually at least 20–25% of the property’s value. We’ll guide you through what different lenders require and help you secure a deal that works with your available funds.

Not always. While some lenders prefer borrowers to already own a residential property, there are lenders who will consider first-time buyers or landlords. We’ll help you navigate the criteria and find lenders open to your circumstances.

Unlike residential mortgages, buy-to-let borrowing is usually based on the potential rental income from the property. Lenders will also consider your income, credit history, and the property’s yield. We’ll assess this with you and guide you through the calculations and requirements.

Yes—many landlords now choose to purchase buy-to-let properties through a limited company, especially for tax efficiency. We’ll explain the pros and cons, help you understand lender requirements for company structures, and work with your accountant if needed to make sure everything aligns with your plans.