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    The Changing Landscape of Buy-to-Let Mortgages

    The changing buy-to-let market has given rise to more specialised and niche lending solutions.

    From the growing market of limited company buy-to-let investments to the more specialised sectors of House in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks ( MUFB), as well as standard buy-to-let mortgages, it is crucial to stay informed about the latest regulatory and governmental changes. Continual education and adaptation are necessary to navigate the buy-to-let landscape successfully.

    While some may find this new market complexity daunting, those who are well-informed recognise the opportunities it presents. At Private Finance, we take pride in being your mentors and teachers. Our consultants diligently monitor the mortgage and broader market, ensuring you stay up to date with the latest lender criteria and industry nuances. Some of our consultants can also offer you their first-hand insights and expertise as landlords themselves.

    We thrive on complexity, it’s our specialisation. We also relish discussing projects, whether they are initial ideas or well thought out business models.

    Reach out to our experts today to discuss your specific buy-to-let needs.

    Speak with an expert now

    Limited Company Buy-to-Let

    If you’re looking to expand your property portfolio to include up to three properties, the growing market of limited company buy-to-let mortgages might offer an ideal solution.

    Landlords now face more limitations on the tax deductible expenses they can claim. Despite the cost of borrowing being slightly higher, the recent tax changes have made it increasingly appealing to transfer a personal name portfolio to a limited company, especially for higher rate taxpayers.

    By incorporating properties into a limited company structure, landlords can offset more costs, particularly interest expenses, and thereby minimise their profits. Furthermore, if incorporating more than one property, landlords could benefit from reduced rates of stamp duty. We cannot advise on taxation and recommend obtaining taxation advice, we can recommend landlords to a specialist in this area.

    If you are finding that your tax bill isn’t quite matching up with your raw portfolio figures and this is not sustainable long-term, it may be worth exploring this option.

    Please note, we are not tax advisors and the above does not constitute tax advice. We strongly recommend that you seek tax advice from a relevant professional where required.

    Specialist Buy-to-let Mortgages

    Over recent years, the buy-to-let market has endured significant changes, including tax changes, increases in stamp duty, revised portfolio lending rules, and stringent stress tests. Amidst this evolving landscape, lenders have demonstrated remarkable adaptability, constantly innovating and tailoring their offerings to suit individual requirements. As a result, an array of specialised buy-to-let mortgages has emerged, catering to diverse needs and preferences.

    Buy-to-Let: Return on Investment and Rental Yield Mortgage Calculator

    Want to work out the potential profitability of your buy-to-let investment property?

    Try our easy to use return on investment and rental yield calculator.

    Try Calculator

    Selecting the Ideal Buy-to-Let Property

    Choosing the right buy-to-let property requires careful consideration and includes many factors.

    Take your time, conduct thorough research, and seek professional advice if needed.

    By doing so, you can make an informed decision that aligns with your investment goals.

    Here are some key factors to keep in mind:

    Location is key

    Opt for a property situated in an area with sufficient demand. It’s advisable to choose a location you are familiar with. Think about how many other rental properties there are – is supply too much? What potential future developments or plans could enhance the desirability of this location in the future?

    Property type and ease of letting

    Consider the type of property that can be easily rented out. Certain property types may attract more tenants, such as apartments, family homes, or properties with multiple bedrooms. Assess the local rental market and target properties that align with the demand in that area.

    Determine your budget

    Establish your budgetary constraints early on. This will help guide your property search and ensure you stay within your financial means. Are you planning to furnish the property or leave it unfurnished? This can impact both the rental potential and upfront costs.

    Discuss your investment property with an expert.
    Call us on 0800 980 8777 or Arrange a call back or

    Expert Mortgage Brokers for Complex Buy-to-Let

    With first-hand landlord experience, our expert buy-to-let consultants have the in-house expertise to understand the challenges faced by landlords today. We pair this first-hand experience with vast industry knowledge to help you find an edge in today’s challenging market.

    Thousands of landlords trust us with their buy-to-let mortgage needs.

    Here are some of the reasons why:

    Experience and Expertise

    Not only have our consultants arranged thousands of buy-to-let mortgages, but many of them are actually landlords themselves. They use this first-hand experience to understand the nuances of your situation – and then tailor a solution that works for you and your portfolio.


    We’re an independent, whole-of-market broker, with strong ties to high-street and private banks, as well as other specialist buy-to-let lenders. We survey the entire market, leaving no stone unturned to find the right mortgage solution for you.


    With an average rating of 4.97/5 from more than 1,800 reviews, we offer an outstanding client experience. We insulate you from the rigmarole of the mortgage process so that you can stay focussed on your investments.

    Buy-to-Let Mortgages Tools and Resources


    Buy-to-Let Mortgages FAQs

    • What is a buy-to-let mortgage?

      A buy-to-let mortgage is a type of mortgage for an individual buying a property who intends to rent this out to tenants and generate a rental income. This income is typically used to cover the mortgage repayments and potentially generate a profit for the landlord.

    • What is the difference between a buy-to-let mortgage and a residential mortgage?

      A residential mortgage is a mortgage that is used to purchase a property that will be occupied by the borrower as their primary residence. A buy to let mortgage is for individuals who intend to let the property out to tenants.

    • Should I incorporate my portfolio from personal name to Ltd company?

      Incorporating your investment portfolio from personal name to a limited company can have potential advantages and disadvantages. There may be tax benefits associated with operating as a limited company, such as the ability to claim more expenses.

      The cost of borrowing is slightly higher for limited company buy-to-let. Most lenders charge slightly higher interest rates and fees compared to standard buy-to-let mortgages.

      Please note, we are not tax advisors and the above does not constitute tax advice. We strongly recommend that you seek tax advice from a relevant professional where required.

      We can often help you to find suitable independent advisers if required and recommend that you take specific advice from your property lawyers, accountants, or other financial advisers on tax issues.

    • Can I get a buy-to-let mortgage as a first-time buyer?

      Yes, it is possible to get a buy-to-let mortgage as a first-time buyer. However, you may face more stringent lending criteria and higher interest rates compared to experienced landlords.

      Becoming a landlord and managing a rental property can be a complex and time-consuming process, and it’s important to carefully consider the potential risks and rewards before taking on this type of investment. Seeking the help of a mortgage broker can help find the right buy-to-let mortgage for you.

    • What happens at the end of my interest-only buy-to-let mortgage?

      At the end of an interest-only buy-to-let mortgage, you will still owe the full amount borrowed, as you have only been paying the interest on the mortgage each month, rather than paying down the principal balance. Typically, many landlords choose to take out a new mortgage to repay the mortgage that is coming to an end, if wishing to retain the property. Alternatively, you could repay the loan by selling the property as a repayment strategy.

    • What is a let to buy mortgage?

      A let to buy mortgage allows homeowners to rent out their existing property and purchase a new home. Two mortgages will be held at the same time. The current residential mortgage will switch to a let to buy mortgage, while a new residential mortgage will be taken out for the new property being purchased.

    • Does a property’s EPC rating impact my mortgage rate?

      In some cases, a property’s Energy Performance Certificate (EPC) rating can potentially impact the mortgage rate. Lenders may offer preferential rates or incentives for properties with higher energy efficiency ratings.

    • Why choose an interest-only mortgage for my buy-to-let?

      Many landlords can opt for an interest-only mortgage as they offer several advantages such as cash flow management and flexibility from lower monthly repayments. Sometimes, lenders can stretch borrowing further if the loan is taken on an interest only basis.

    • How much deposit do I need for a buy-to-let mortgage?

      Lenders typically require a higher mortgage deposit than a standard residential mortgage – usually 25%. This is subject to meeting the lenders’ rental calculations being satisfied.

    • What is a good rental yield for rental property?

      What is deemed as a good rental yield varies depending on several factors including location, property type, market conditions, and your personal investment goals. Our ROI and rental yield calculator can help you work out the potential profitability of your investment property, as well as speaking directly with our buy to let mortgage team.

    Private Finance