Buy to Let Mortgages
From First Timers to Experienced Landlords
Whether you're remortgaging a rental, buying your first investment, or switching to a buy to let mortgage, we can help. We work with mainstream lenders and also access specialist providers who understand that not every case is straightforward. In fact, some of the best buy to let mortgages come from lenders you won’t find on the high street.We match your situation to the most suitable lenders. That means quicker applications, as well as less chance of delays. With the right guidance, your buy to let mortgage could be agreed faster, therefore saving you time and stress.
How much deposit do I need
Deposits for buy-to-let mortgages are usually higher than those for other mortgage types. This is because lenders typically require your rental income to exceed your mortgage payment by approximately 25%. Due to the heightened risks the interest rates may differ from those of other mortgage categories.
Quirky Properties Welcome
Do you have your eye on something a bit different? You’re not alone. Quirky properties often offer great returns, but not every lender likes them. Luckily, we do. Because our whole-of-market approach means we can find buy to let mortgages for the homes others overlook. Just ask — we might surprise you.
Don’t Forget the Tax Chat
Before you change anything in your property finance setup, speak to a tax adviser. Because understanding your position is key. It helps you make confident, informed decisions about your next buy to let mortgage.
We offer Buy to Let Mortgages on properties including:
- Houses
- Apartments
- Retail
- Factories
- Office Buildings
- Warehouses
- Non-Profits
- Mixed-Use / Single Use
Buy to Let Mortgages for Ex-Pats
Buy to let mortgages aren’t just for UK residents. If you live abroad, you can still invest back home. Many lenders offer buy to let mortgages tailored for ex-pats. Whether you're renting out your old home or starting a new portfolio, we can guide you through it all — wherever you are in the world.
Buy to Let Mortgages for Retired Applicants
Yes, you can apply for buy to let mortgages after retirement. In fact, many lenders now welcome retired applicants with income from pensions, savings or other properties. Let us help you find a deal that works for you — one that lets your retirement income go even further
Some kind words from our clients
Rachel has been incredible in securing us a mortgage and I cannot recommend her highly enough. The whole process was clear from beginning to end and Rachel kept us up to date every step of the way. We had a tricky property to mortgage and Rachel was able to secure us a good product from a high street lender. I have recommended her to friends and family and would use her again for any future mortgages. Thanks Rachel!
A 5 star experience of first time buying thanks to Rachel and Joanne. I was worried buying a home would come with so much stress but I can honestly say it’s been more or less stress free! Quick and professional communication and even got a better mortgage deal than I thought! Can’t recommend or thank them enough!
Rachel and Jo at Mortgage Force were outstanding start to finish. They went above and beyond with everything they did, helping us to purchase our first home. We've been told many times how stressful buying a house is but with Mortgage Force it felt like a breeze! Rachel was informative and broke everything down so that we fully understood all of the house buying lingo and both Jo and Rachel were friendly, helpful, super quick to respond to any queries and just a pleasure to deal with.