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Buy to let mortgages

A buy to let mortgage is designed for those who want to buy property to rent out to a third party.

As with a residential mortgage you can choose between fixed, discount and other mortgage types. However, the key difference is working out how much you can borrow. Buy to let mortgage lenders usually base their decisions on the likely rental income from the property instead of the applicant's annual income.

Your initial mortgage appointment is without obligation. We normally charge a fee for our services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but our standard fee is £549. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.

Most Buy to Let Mortgages are not regulated by the Financial Conduct Authority

We can help you with:

  • An extensive choice of mortgage products specifically designed for Buy to Let investment or Let to Buy financing.
  • Interest only or capital repayment options.
  • Insurance cover available specifically for Buy to Let properties.
  • Arranging your first Buy to Let mortgage or arranging finance for a portfolio of Buy to Let properties.
  • Specialist types of Buy to Let mortgages including Student Lets and Houses in Multiple Occupation.

Buy to let calculator

Use the Embrace Financial Services Buy to let calculator to work out the required rental income that may be needed from your proposed Buy to let property. 

The calculator provides a Loan to Value percentage which is the ratio of your mortgage expressed as a percentage of the value of the property. The calculator also suggests a higher and lower figure for the rental income that a lender may require to support a given mortgage. The higher figure assumes a mortgage interest rate of 5.09% and the lower figure  a rate of 4.49%. Both calculations are based on the lender requiring 125% of the monthly mortgage interest payment as a rental income. Please note that the exact criteria may vary from lender to lender. 

Buy to Let Calculator


Rental income

Loan to value (LTV):

Thinking of renting out your property? Our local lettings experts will give you a current rental valuation and talk you through your options.

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‚ÄčThis information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you all mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders; and make an appointment to receive mortgage advice suitable for your needs and circumstances.