Buy-to-let mortgage

Buy-to-let mortgages are for investment properties.

As with regular domestic home loans there are many products on the market ranging from special offer deals to fixed rate and variable rate loans. With a buy-to-let mortgage some lenders will only consider your rental income when offering a mortgage, while others buy-to-let lenders will place more emphasis on your normal earnings, especially if you only have one or two rental properties.

View today's best buy-to-let mortgages deals

Your expected rental income must exceed your mortgage repayments by a certain percentage. For example, your mortgage lender may require a rental income of 130% of your monthly mortgage payments. Your lender will also want to establish whether the property you are buying is a good long-term investment. So buy-to-let mortgages are subject to the usual status checks. Generally buy-to-let mortgages are available for between five and 45 years and for up to 75% of the property value.

When considering a buy-to-let it is also necessary to bear in mind any additional costs such as letting agent's commission, insurance premiums for building and contents cover and rental and legal expenses cover, the costs of keeping the property in a suitable condition for letting, service charges and ground rents if the property is leasehold.

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Best-buy mortgages

    1. Lender
    2. Initial rate & Lender Fees
    3. Type, period & max loan-to-value(LTV)
    4. Reverting to
    5. The overall cost for comparison
    6. Early Repayment Charges
    7. More details or apply
    1. Clydesdale mortgage
    2. Initial rate: 2.99% £1999
    3. Fixed 30/09/2018
      Up to 75% LTV
    4. Reverting to 5.35%
    5. The overall cost for comparison: 5.2% APRC
    6. Early repayment charges: 3% of loan to be paid until 30/09/2018, Then reducing
    7. Call 08000 38 37 36 or submit an enquiry.

    1. Clydesdale mortgage
    2. Initial rate: 4.19% £1999
    3. Fixed Until 31/07/2019
      Up to 70% LTV
    4. Reverting to 5.35%
    5. The overall cost for comparison: 5.0% APRC
    6. Early repayment charges: 5% in first 2 years then reducing
    7. Call 08000 38 37 36 or submit an enquiry.

    1. NatWest mortgage
    2. Initial rate: 2.49% £1999
    3. Tracker Until 30/09/2018
      Up to 75% LTV
    4. Reverting to 4.50%
    5. The overall cost for comparison: 4.4% APRC
    6. Early repayment charges: 3% of loan to be paid until 30/09/2018
    7. Call 08000 38 37 36 or submit an enquiry.

    1. BM Solutions mortgage
    2. Initial rate: 2.79% £1495
    3. Fixed 30/09/2018
      Up to 75% LTV
    4. Reverting to 4.84%
    5. The overall cost for comparison: 4.8% APRC
    6. Early repayment charges: 3% to 30/09/2018
    7. Call 08000 38 37 36 or submit an enquiry.