028 9145 6262



Buy to Let Mortgages

Someone you know may have bought a property or properties, as an investment and this may be something you are also considering.

If you want to become a Landlord and buy a property to rent out, you need a special Buy To Let Mortgage.

In the same way as with a Residential mortgage, you can choose between Fixed and Tracker or Variable rates.  You can normally also choose whether to pay Interest Only or Capital and Interest.  With a number of the lenders you must have a minimum level of earned income. However, when it comes to assessing how much you can borrow, the key factor is not normally how much you earn, but rather the likely rental income you will achieve. 

Typically you can borrow up to 75% of the property value, and the rental income will normally need to be around 145% of the mortgage payment, based on a notional interest rate, determined by the lender, but often 5.5%. 

Many of the lenders will only accept applicants who already own their own home (with a mortgage is acceptable). The criteria on acceptable property types, is generally tighter and the interest rates slightly higher than on standard residential mortgages.

In general Buy To Let Mortgages are not regulated by the Financial Conduct Authority.

If you would like to discuss the option of a Buy To Let Mortgage or if you already have a Portfolio of Properties and would like to review your circumstances, you can contact us for a free initial chat.


We charge a Broker Fee of £199 on application and £190 on completion of your Mortgage.

1 4 U Financial Solutions Ltd is an appointed representative of PRIMIS Mortgage Network, a trading styyle of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority.  (Registration number 435779)

*Some forms of Bridging Finance and in general Buy To Let Mortgages are not regulated by the Financial Conduct Authority.

Commercial Mortgages, Overseas Property & Mortgages, Wills, Probate, Trusts and Tax & Estate Planning are not regulated by the Financial Conduct Authority. 

Pensions, Investments, Wills & Probate, Tax & Estate Planning, Overseas Property & Overseas Mortgages, Commercial Mortgages, Bridging Loans and Commercial Insurances are referred to specialist suppliers. 1 4 U Financial Solutions Ltd or First Complete Ltd are not responsible for any advice received from a third party.

This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.

Mortgages Options

Re Mortgage
Buy to Let Mortgages
Co-Ownership Mortgages


A Guide to Mortgages

About our Services

Mortgage Checklist

Terms of Business Buy to Let

Confidential Questionniare

Monthly Budget Planner

Terms of Business Consumer BTL

Customer Privacy Notice

E-Marketing Consent

Mortgage Calculator

This calculator provides a guide to monthly payments and does not guarantee eligibility for a mortgage. Please contact us for a personalised Key Facts Illustration.