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Your landlord's guide to buy-to-let

Which?’s FREE guide provides you with all the information
you’ll need to get started on your new investment.

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How to make the most of your investment?

  • Buy-to-let mortgages have long been a popular choice in the UK market.
  • Letting out a property can bring you regular rental income, with the possibility of rent rises in the future. In addition, your property may potentially climb in value, giving you a tidy profit on any future sale.
  • In some cases, the yield on a buy-to-let property could be as high as 10%, making it an attractive investment option – although you also need to take into account vacancy periods and maintenance costs.
  • The key to making buy-to-let work is doing your research, which includes keeping your mortgage payments to a minimum. That means finding the best possible mortgage deal can make or break the success of your buy-to-let investment – so it’s critical to get impartial advice.
  • Which? Mortgage Advisers can ensure you find the right buy-to-let loan for your personal circumstances by searching the whole of the market, and help you maximise the return on your investment.
  • Our FREE guide provides you with all the information you’ll need to get started on your new investment.

Mortgage calculators

Get an idea of how much you could borrow and what your repayments might be with our handy calculators.

Buy to Let Stamp Duty Calculator How much can I borrow? Repayment Calculator

About Which? Mortgage Advisers

We’re part of Which?, the independent consumer champion, and we make sure your interests come first. All our advisers are completely impartial and CeMAP qualified - so you can count on their expert knowledge. Watch our short video to meet our team and find out how we can help you get the right buy to let deal for you.

Personalised mortgage advice for
Buy to let mortgages

we're here to help from your first call until your buy to let mortgage completes

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More about the buy-to-let guide

This guide is brought to you by Which? Mortgage Advisers. It’s packed with information for landlords, from getting to know the market and finding a buy-to-let mortgage to reaching tenants and understanding your legal obligations. You’ll find answers to key questions and guidance on selecting your target area and how to manage your let.

Is letting right for you?

Being a landlord can mean making a good profit as your own boss. However, it’s important to consider whether you’re right for the role.

Buying property to let

Buying a property to let requires an understanding of the income that your buy-to-let will deliver

Know your market

You need to understand the market in your target area. You can research markets via the internet by checking property-search sites and letting agents. It is also worth getting to know the area by reading local newspapers and talking to ‘lettings only’ estate agents

Buy-to-let mortgages

A mortgage for a buy-to-let property differs from a mortgage for your own home. There are two types of financing to consider.

Managing your let

We explain the practicalities of being a landlord, from running the let yourself to using an agent

Preparing the property

As a landlord, you are bound by the law to ensure that the property you let is safe for people to live in

Tenancy agreements

Most private tenancies between a landlord and tenant are assured shorthold tenancies (ASTs), which are fixed and give no security of tenure once the letting term ends

Money matters

Before becoming a landlord, you need a clear understanding of the costs of buying the property and the tax implications of letting

  • Alex Kemp and Shane Lucas at Which were my mortgage brokers for an extremely difficult pair of BTL expat landlord mortgages (including one on a very very old property.) Despite the endless difficulties banks threw in the way of these offers, both staff were the model of perfect brokerage: fast, efficient, informed, in total command of the facts, entirely capable of representing my position, often forcefully, to the banks. Supreme customer service
    Mike Drennan
  • Which Mortgage Advisers are brilliant. They take the stress out of mortgages, (well most of it!). This was our second mortgage with them on our buy to let property. Keep up the great work.
    Ben
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