ItsMyMoney.co.uk | Buy to Let Mortgage

Thinking about becoming a landlord?

Whether it’s your first rental or your tenth, buy‑to‑let is a bit of a different beast from normal residential mortgages. Instead of trying to decode rental stress tests and deposit rules on your own, we can introduce you to a buy‑to‑let specialist who can help with all of your needs.

Just tell us the basics. Property price, expected rent and deposits and we begin from there.

We then pass your details to a regulated advisor who focuses on landlords of all types.

They will then get in contact, explain how much you could potentially borrow, and do all the calculations for you. At the end of the day you’ll have all the deals that might suit you laid out in front of you.

Find a trusted advisor

Our mortgage advisor partners will walk you through the mortgage application process, explaining all the information they need from you. They’ll help you pull together all the information including your expected rent projections. Then they’ll survey the Buy To Let mortgage market to find the right product for you, your plans and your circumstances.

Leverage the value of your property portfolio

It might be that if you have an existing property portfolio you can borrow against the whole portfolio, not just the new property.
Our trusted partner will review all the options with you before they make their recommendation and make sure you are aware of all your options.

Find an advisor for the long term

Our partners pride themselves on delivering great customer service. They want to build long term relationships with their clients so you can be assured they will make the process as straightforward and stress-free as possible. Apply now to start the journey towards your new Buy To Let property!

Our Frequently Asked Questions

Take a look at our frequently asked questions and answers to help you plan your next buy to let purchase.

Are buy to let mortgages different from holiday let or holiday home mortgages?

In a word, yes.
A buy to let mortgage is specifically for landlords who want to let a property to long term tenants. The tenants will live in the house or flat and it will be their main residence and there will be a rental agreement in place such as an Assured Shorthold Tenancy.
When considering whether or not to lend a landlord money for a buy to let property lenders will be interested several factors:
* The potential monthly rental income the property will generate
* The property’s value and suitability as an investment
* The landlords credit rating and financial circumstances
For expert advice get in touch with our recommended mortgage advisor.

Is it a good idea to use a mortgage advisor if I’m considering buying a property to rent out long term?

Finding the right product to fund your ambitions to become a landlord can be a complicated business so we would always advise you to find a good mortgage broker to help you realise your dream.
The tax rules for buy to let landlords have changed in recent years so it’s a good idea to find a mortgage advisor and tax advisor who can inform you of the current rules and your potential liabilities.
A good mortgage advisor can scan the available buy to let mortgage products to find the right one for your circumstances. They will help you understand the information you will need to provide to your chosen lender and walk you through the whole application process.
You can fill out our partner’s contact form here and they’ll get back to you shortly to discuss your needs.

What’s a buy to let mortgage, exactly?

It’s a mortgage for a property you rent out to tenants, usually with affordability based heavily on the expected rental income rather than just your salary.

Can you help if I already have a portfolio?

Yes – just tell the advisor roughly how many properties you have and in what name (personal or limited company) and they will try to connect you with someone used to more complex cases.