Buy-To-Let Mortgages

Most lenders accept applications from individuals, limited companies or partnerships. Criteria vary, but landlords usually need to show a viable rental income and a suitable deposit.

Deposits typically start at around 25% of the property’s value, though some lenders may ask for more depending on the property and your experience.

Both are available. Many landlords choose interest-only for lower monthly costs, while repayment options reduce the balance over time.

Lenders focus on projected rental income, often using a stress test to ensure it comfortably covers mortgage payments. Personal income may also be considered.

Rates vary depending on loan size, deposit, property type and borrower profile. A broker can compare the market and highlight the most competitive options available.

Yes, some lenders will consider first-time landlords, though criteria may be stricter. Specialist advice can help identify the most suitable products.

Yes. Many investors now use limited companies for tax efficiency. Lenders offering BTL mortgages to limited companies may have different criteria and costs.

In addition to interest, fees may include arrangement charges, valuation fees, legal fees and early repayment charges. A broker will explain the total cost upfront.

Yes. Remortgaging allows landlords to move to a new lender or product, often to secure a lower rate or release equity from the property.

Using a broker is the simplest way. Avid Finance compares the whole market, explains the options clearly and helps you secure a mortgage that fits your investment strategy.