HTG Mortgages The buy to let mortgage market can be complicated. As a specialist buy to let mortgage broker, we offer access to a vast network of lenders and exclusive products not readily available to the public, tailored to your investment goals. This page is part of my buy to let mortgage hub. The buy to let mortgage market can be complicated, with a huge number of lenders, varying criteria and rules that keep changing. A specialised buy to let mortgage broker serves as your strategic partner, offering access to a vast network of lenders and exclusive products not readily available to the public. Their expertise ensures that you secure the most competitive rates and terms tailored to your unique investment goals. By understanding your financial situation and property aspirations, they can match you with lenders who align with your objectives, saving you time and potentially significant amounts of money over the life of your mortgage. Buy to let mortgages differ from residential ones in several key aspects. Lenders primarily assess the potential rental income of the property rather than just your personal income. Typically, they require the rental income to cover 125% to 145% of the mortgage repayments, ensuring a buffer for unforeseen expenses. Additionally, a larger deposit is often necessary, with most lenders expecting at least 25% of the property’s value. Your credit history, age, and experience as a landlord can also influence the terms offered. An experienced buy to let mortgage broker can steer you through these requirements, presenting your application in the best light to potential lenders. Recent tax changes have made it less advantageous for individual landlords to offset mortgage interest against rental income. As a result, many investors are considering purchasing properties through limited companies. This structure allows for full mortgage interest relief and can offer more favorable tax treatment on profits. However, setting up and managing a limited company comes with its own set of responsibilities and costs. A knowledgeable buy to let mortgage broker can advise on the pros and cons of this approach, helping you determine if it’s the right strategy for your investment portfolio. As your property portfolio grows, regularly reviewing and potentially remortgaging your buy to let properties can lead to better rates and increased profitability. A proactive buy to let mortgage broker will monitor market trends and notify you of opportunities to refinance, release equity, or consolidate loans. This ongoing relationship ensures that your investments remain optimised, adapting to both market conditions and your evolving financial goals. Ready to take the first step? Get expert advice tailored to you. No obligations and no pressure. Fill out the form and let’s make it happen! At HTG Mortgages, we’re committed to helping you invest in property with confidence. Most lenders require a minimum deposit of 25% of the property’s value. However, a larger deposit can secure better interest rates and terms. Yes, but options may be limited. Lenders often prefer applicants with property ownership experience. A broker can help identify suitable lenders for first-time buyers. Lenders typically require that the expected rental income covers 125% to 145% of the mortgage repayments, ensuring a safety margin. Purchasing through a limited company can offer tax advantages, but it also involves additional responsibilities and costs. It’s essential to consult with a broker and tax advisor to determine the best approach for your situation. Fees vary by broker. Some offer fee-free services, while others charge a flat fee or a percentage of the loan amount. Always clarify fee structures upfront. We charge a flat £350, due only once your mortgage offer is issued, so there’s nothing to pay upfront. See our fees for the full breakdown. The calculation a lender uses to check the rent covers the mortgage with room to spare. They apply a stressed interest rate, often around 5.5%, work out the monthly interest, then require the rent to exceed it by a cover ratio, commonly 145% for a personal purchase by a higher rate taxpayer or 125% through a limited company. It is the most common reason a buy to let case does not work. There is no legal limit. Individual lenders set their own caps, both on how many they will hold with you and how many you hold in total anywhere. Once you pass four mortgaged properties you are a portfolio landlord and the whole portfolio gets assessed, which is where a whole of market view starts to matter. Yes, an additional rate applies on second and subsequent residential properties in England on top of the standard rates. Thresholds and surcharges move with each Budget, so check the current HMRC calculator before you commit rather than relying on any article. I also arrange the more specialist buy to let cases: letting to family, auction purchases, HMOs and SPV or limited company borrowing. Related: HMO Mortgages, SPV Mortgages. Buy to Let Mortgage Broker
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Written by Harry GoodliffeDirector & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner
