The rates above are examples of the best buy to let purchase rates available from our representative whole of market panel of lenders. Use the button below to see more current buy to let mortgage deals.
See all purchase ratesBuy to Let Mortgages
Mortgages for landlords and property investors
Compare current buy to let mortgage rates and explore options for standard rentals, limited companies and HMO properties.
What are you looking to do?
Choose the option that best matches your property investment or buy to let mortgage needs.
I'm buying a rental property
Compare buy to let mortgage rates for purchasing a property that you intend to rent to tenants.
See buy to let rates ›I'm remortgaging a rental property
Review your existing buy to let mortgage and compare current remortgage options.
See BTL remortgage rates ›Specialist Buy to Let
I'm buying through a limited company
Explore limited company and SPV buy to let mortgages, lender criteria and current rates.
Limited company mortgages ›Specialist Buy to Let
I'm buying or refinancing an HMO
Explore mortgage options for Houses in Multiple Occupation, including small and larger HMOs.
HMO mortgages ›Today's Best Buy to Let Rates.
as of Friday 25th September
The rates above are examples of the best buy to let remortgage rates available from our representative whole of market panel of lenders. Use the button below to see more current buy to let remortgage deals.
See all remortgage ratesSpecialist Buy to Let
More than just standard Buy to Let mortgages
Some rental properties and ownership structures need a more specialist approach. We help landlords compare mortgages for limited companies, HMOs and other more complex Buy to Let needs.
Limited Company & SPV
Limited Company Buy to Let Mortgages
Limited Company Buy to Let mortgages allow investment property to be purchased through a company rather than in an individual's personal name.
Many lenders prefer the company to be set up specifically for property investment, often referred to as a Special Purpose Vehicle (SPV).
- Specialist mortgage ranges for limited companies and SPVs
- Rental affordability calculations can differ from standard personal-name Buy to Let
- Lenders may assess the directors and shareholders as part of the application
- Compare fixed, variable and different LTV options
Houses in Multiple Occupation
HMO Mortgages
HMOs are properties rented to multiple tenants who typically have their own bedrooms while sharing facilities such as kitchens, bathrooms or communal areas.
They usually require specialist mortgage products because lenders can apply additional criteria compared with a standard Buy to Let property.
- Mortgages for small and larger HMO properties
- Lender criteria can include landlord experience
- Bedroom numbers, communal areas and tenancy structure can affect lender choice
- Rental income is assessed using the lender's own affordability and stress-test requirements
Not sure which type of Buy to Let mortgage you need? Our advisers can help you understand how the property, ownership structure, rental income and your circumstances may affect the lenders and mortgage options available.
Speak to a Buy to Let adviser ›Buy to Let lenders
Access to mainstream and specialist lenders
We work with a representative whole of market panel that includes both mainstream mortgage providers and lenders specialising in Buy to Let.
Buy to Let mortgage advice
Buy to Let lending is about more than the interest rate
Comparing Buy to Let mortgage rates online is a useful place to start, but different lenders can have very different requirements for the property, rental income and landlord.
The amount you can borrow may depend on the expected rent, the lender's rental affordability calculation, the size of your deposit and the type of property you are financing.
Lender choice can also be affected by whether you are buying in your personal name or through a limited company, whether the property is an HMO and your previous landlord experience.
We normally do not charge a fee for buy to let mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
Speak to a Buy to Let adviserUnderstand rental affordability
Lenders use their own rental affordability and stress-test calculations, so the amount available can vary between lenders.
Match the mortgage to the property
Standard rentals, HMOs and other specialist properties can each have different lender requirements.
Compare lender criteria as well as rates
Deposit, landlord experience, ownership structure and personal circumstances can all affect which lenders may be suitable.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
Tools & resources
Useful Buy to Let information
Explore Buy to Let lenders, calculators, guides and specialist mortgage information.
Different lenders can have very different requirements for rental affordability, property type, landlord experience and ownership structure.
Use our mortgage tools to explore payments and start looking at the Buy to Let mortgage options that may be available.
If your property or circumstances fall outside a standard Buy to Let application, there may still be specialist mortgage options available.
Read more about how Buy to Let mortgages work and the factors lenders may consider when assessing an application.