Buy-to-let

What is a buy-to-let?

These mortgages are designed for properties you plan to rent out. Unlike residential loans, lenders assess affordability based on expected rental income as well as your personal finances.

Who is a buy-to-let mortgage for?

We support:

First-time landlords entering the market
Portfolio landlords expanding their holdings
Limited company buy-to-let arrangements
Remortgages to release equity or cut costs

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How we help

The buy-to-let market is complex, with different lenders requiring minimum yields, higher deposits, or unique criteria. We simplify this landscape, guiding you through the process and matching you with the right lender.

We will also discuss risks such as rate changes and void periods, so you can make fully informed decisions.

Contact an adviser today

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Most buy-to-lets are not regulated by the Financial Conduct Authority

Speak to an adviser for more information

When should you speak to a mortgage adviser?

Buy-to-let mortgage advice is best sought before making an offer on an investment property.

You should speak to an adviser:

Before purchasing your first rental property
When expanding a portfolio
If rental income or tax rules affect affordability
When refinancing to release equity

Early advice ensures lender criteria, yield requirements, and risk factors are fully understood.

Our mortgage advice process

Our buy-to-let mortgage process reflects the complexity of property investment.

We:

Assess rental income and affordability
Navigate lender criteria and stress testing
Compare specialist and high-street lenders
Advise on risks and long-term strategy

This ensures your investment finance is sustainable and competitive.

Meet your mortgage advisers

Gregory Lodge

Mortgage & Protection Adviser

Michaela Norbury

Mortgage & Protection Adviser

Client testimonials

The difference we make, told by the people we help every day

Mortgages

"I can’t recommend Michaela Norbury and The Penny Group team highly enough! She is absolutely amazing – always so bubbly, positive, and a real pleasure to speak with. She’s made what could have been a stressful process feel smooth and reassuring every step of the way."

LC, Jan 26

Google review

Mortgages

"Greg’s been an amazing advisor from the get go, made everything feel simple and manageable during what is naturally quite a stressful time. We felt fully supported the entire time and he was also unbelievably efficient and fast!"

LS, Dec 25

Vouchedfor review

Mortgages

"Michaela has been fantastic. She was very helpful and very responsive. Took care in understanding our situation and needs, and delivered. Genuinely cannot recommend highly enough! "

TU, Dec 25

Vouchedfor review

Mortgages

"Gregory Lodge arranged my mortgage for my recent purchase - his hunger and desire to help & deliver is second to none ('The Postman' of the Mortgage world... always delivering!). He has continued to update me with the best rate on offer as the market / interest rates move. Thanks Gregory!"

SW, Dec 25

Google review

Frequently asked questions

1 What is a buy-to-let mortgage and how does it work?

A buy-to-let mortgage is designed for landlords who want to buy property to rent out. Lenders assess your expected rental income as well as your finances to decide how much you can borrow.

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

Buy-to-let mortgages usually require a larger deposit than residential ones, typically 20–25% of the property’s value.

3 Does rental income affect how much I can borrow on a buy-to-let mortgage?

Yes. Lenders usually require the rental income to cover at least 125% – 145% of the mortgage payments, depending on their criteria.

4 Can first-time landlords get a buy-to-let mortgage?

Yes, though the requirements may be stricter. Some lenders prefer applicants with landlord experience, while others will consider first-time landlords with a strong financial profile.

5 Can I get a buy-to-let mortgage through a limited company?

Yes. Many landlords now purchase properties via limited companies for tax reasons, though lending criteria can differ.

6 Do I need to own my own home before applying for a buy-to-let?

Some lenders require this, but others will consider first-time buyers who meet their criteria.