How to get the most from your investment

The key to making a buy-to-let venture work for you is finding the best possible mortgage deal. That’s why it’s so important to take impartial advice – especially in today’s market.

While buy-to-let mortgages are similar to residential home loans, there are some very important differences that our expert advisers can help you get to grips with.

For example, buy-to-let mortgages require a larger deposit than regular loans (typically 25%), and you’ll need to show the lender that the rent will cover your interest payments on the mortgage by at least 125% – in case the property stands empty for a while or needs maintenance. You should also set money aside for arrangement fees, which can be as much as £2,000.

Sizing up the benefits of buy-to-let

On the bright side, buying a property to let out offers the appealing prospect of a potential rental income, plus the possibility of equity to unlock later if property values increase. In fact, the right investment can give you a gross return each year of between 5 and 10%. That’s well ahead of what any savings account will currently give you, albeit with more risk attached.

And while average property prices across the UK have been flat in recent years, rents have been on the increase. Acting quickly, with confidence, is the key for buy-to-let deals.

Our interactive buy to let landlord guide can help you make your first steps towards becoming a landlord.

What our customers say

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Buy to Let Rates

poundTake a look at a selection of the buy to let rates currently available, and see if you can save money.

Buy to Let Calculator

calculatorThe amount you can borrow depends on the rent you’ll be getting from your tenants – not just the value of the property.

Your home may be repossessed if you do not keep up repayments on your mortgage.