Buy to Let Mortgages

Our panel of buy to let lenders offer flexible criteria and competitive rates. Whether you are a first time landlord, a more experienced portfolio investor or have adverse credit, we can help find a solution tailored to your needs!

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No Max Lending Limit

Up to 80% LTV

Flexible Solutions

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What is a Buy to Let Mortgage?

A buy to let mortgage is used to purchase or remortgage a property that will be rented out to tenants. Unlike residential mortgages, buy to let mortgages are assessed on the rental income the property can generate, rather than your personal income.

Buy to let mortgages are suitable for both first-time and experienced landlords, including portfolio investors.

When might you need a Buy to Let Mortgage?

Whatever the scenario, we work with you to find you the best solution. Whether you are a first-time landlord or a portfolio landlord, a buy to let mortgage can be used in many situations.

House in Multiple Occupation (HMOs) or Multi Unit Freehold Blocks (MUFBs)

Flats Above Shops

Transfers from a Personal to Limited Company

Inherited Properties

How do Buy to Let Mortgages work?

When applying for a buy to let mortgage, lenders will look at whether the expected rental income is sufficient to cover the mortgage payments. This will also help to determine how much you can borrow. Most lenders require a higher deposit for a buy to let mortgage, typically around 25%.

Whether you choose an interest only or repayment mortgage will depend on your investment strategy. Factors such as your long-term goals and cash flow will have an influence. At Crystal Property Finance, we will review your circumstances and compare a range of buy to let lenders to help secure a mortgage tailored to your needs.

Why Choose us for your Buy to Let Mortgage?

All Property Types

We work with lenders who will consider all property types. From new builds, HMOs/MUFBs & more.

All Applicants Considered

Whether you are a first-time landlord, experienced landlord, have adverse credit or a complex income structure.

Flexible Terms

Tailored solutions for your needs, with interest only or capital repayment options available.

Dedicated Case Manager

You will have a dedicated case manager supporting you every step of the way.

Enquire Online Call our team now on 01827 338803

Risks Associated with Buy to Let Mortgages

While a buy to let mortgage may be suitable for your circumstances, it is important to understand and consider the risks involved.

Rental Income Is Not Guaranteed

If the property is vacant or tenants do not keep up with their payments, you will still be responsible for meeting your mortgage payments and any other ongoing costs.

Interest Rate Changes

Buy to let mortgages on a variable rate could move onto a higher rate at the end of a fixed term, which could increase your monthly repayments. At Crystal Property Finance, we are committed to securing a mortgage which is the most cost effective for you.

The Buy to Let Mortgage Process

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Who We Work With

Frequently Asked Questions

Most buy to let mortgages require a larger deposit than a residential mortgage, usually starting at around 25% of the property’s purchase price. Deposit requirements will vary depending on the lender, your circumstances and the type of property you want to buy.

Yes, first-time buyers can invest in buy to let properties. Lenders will assess the expected rental income and your personal finances to ensure you can cover mortgage repayments. We work with many specialist lenders who offer products suitable for first-time landlords.

Yes. A tenancy agreement is usually required to show that the property will generate rental income. This helps lenders assess affordability and ensures both you and your tenants are compliant with the law.

A HMO is a property rented out to multiple tenants who will share facilities such as kitchens or bathrooms. HMOs often generate higher rental income, but require specialist buy to let lenders and may need licencing.

Interest only mortgage options are popular with landlords looking to maximise cash flow, as monthly payments will cover the interest. The original loan amount remains until the end of the term, when you’ll need to repay the full balance. Capital repayment mortgages reduce the loan balance over time, providing a clear path to owning the property outright. The choice will depend on your goals, we are here to help you weigh up the options.

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