Buy - To - Let

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Understand what you can comfortably afford — we’ll help you work it out.

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Your mortgage should fit your future plans, not just today.

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Get expert guidance to find the right buy to let mortgage

Whether you are investing for the first time or expanding an existing portfolio, we are here to help you secure a buy to let mortgage that supports your goals as a landlord. With clear advice and access to a wide range of lenders, we make the process straightforward and transparent.

Buy to let mortgages often include interest only options, which can help keep monthly payments lower. It is important to understand that the full loan balance will still need to be repaid at the end of the term. Lenders will also assess affordability by checking that your expected rental income covers around 125 percent of your monthly mortgage payments, although this can vary depending on the lender and your circumstances.

Disclaimer : “A buy to let mortgage will be secured against your property. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.”

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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FAQ's

Frequently Asked Questions

1. What is a buy-to-let mortgage?

A buy-to-let mortgage is designed for people who want to purchase a property to rent out to tenants. It works differently from a standard residential mortgage, with lenders assessing rental income as well as your personal finances.

2. Who are buy-to-let mortgages for?

They are suitable for anyone looking to become a landlord — whether you're a first-time investor or building an existing portfolio.

3. Are buy-to-let mortgages different from other mortgage types?

Yes. They typically have different affordability checks, higher deposit requirements, and often offer interest-only repayment options.

4. How much can I borrow for a buy-to-let mortgage?

The amount depends on the rental income the property can generate. Most lenders require the rent to cover around 125%–145% of the monthly mortgage payment.

5. Can I get a buy-to-let mortgage for the home I live in?

No. Buy-to-let mortgages are only for properties you intend to rent out. Your own home must be financed with a standard residential mortgage.

6. How many buy-to-let mortgages can I have?

There’s no fixed limit, but each application will be assessed individually. Your income, existing mortgages, and rental coverage will determine how many you can take on.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. RMR Finance Ltd. is registered with the Data Protection Act 1998 registration No: ZB104779 and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under Reference Number: 1017699 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 786245 and registered with the Data Protection Act 1998 Registration No: ZA178200. RMR Finance Ltd. Registered Office: 1 Oakhurst Drive, Crowborough, East Sussex, TN6 2TA. Registered in England Number: 13506538​THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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