Buy to let

Buy to Let (Investment Property)

A "Buy to Let" mortgage is a type of mortgage designed for individuals who want to purchase residential properties with the intention of renting them out to tenants. 

If you’re looking for an investment property to rent out, whether on a personal basis or via a limited company, you may need advice on buy-to-let mortgages.

Many buy-to-let landlords now purchase via a limited company due to tax changes introduced in the last couple of years. With that in mind, and considering other aspects of owning a rental property, such as Capital Gains, interest rates, Stamp Duty, and potential early redemption charges, our buy-to-let mortgage advisors are highly experienced and knowledgeable about your buy-to-let mortgage options.

We can help if you are:

  • A first-time landlord
  • Looking to expand your property portfolio
  • Planning on refurbing your existing house to let it out
  • An existing landlord with a buy-to-let mortgage that is up for review
  • Looking to re-mortgage for a better deal
  • Interested in converting your existing mortgage to a buy-to-let mortgage
  • Planning on raising capital from your buy-to-let property
  • Wanting a buy-to-let mortgage but don’t know if your changed circumstances will affect your mortgage application
  • Concerned that your previous financial history will have an impact on a buy-to-let mortgage application

These mortgages are tailored specifically for property investment and differ from regular residential mortgages in several key ways.

Rental Income
Buy-to-Let mortgages are primarily assessed based on the property's potential rental income rather than the borrower's personal income. Lenders consider whether the rental income will cover the mortgage payments.

Larger Deposits
Typically, Buy-to-let mortgages require larger initial deposits, often around 25% of the property's value or more.

Interest Rates
Interest rates on buy-to-let mortgages may be higher than those for regular residential mortgages.

Eligibility Criteria
Lenders have specific eligibility criteria for Buy to Let borrowers, considering factors like the borrower's creditworthiness and the property's potential rental income.

Tax Implications
There are tax implications to consider, including income tax on rental income and potential capital gains tax upon selling the property.

Property Investment
Buy-to-let mortgages are a popular choice for those looking to build a property portfolio and generate rental income.

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.


We will charge a fee of between £0 and £995. The amount we will charge is dependent on the amount of research and administration that is required. This fee is payable on receipt of a mortgage offer.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Cochno Financial Group Ltd, Registered Company Number: SC688947, Registered in Scotland, Registered Address: 17 Cochno Brae, Hardgate, Clydebank, G81 6BP.