Need a Buy-to-let Mortgage?

As an experienced landlord, property developer or first time landlord you’ll need to continually assess the market for the best buy-to-let mortgages, to allow you to gain the highest return on your investment. At Friends Capital, we understand the commitment you make every time you take out a mortgage, and we’ll partner with you to ensure you get the best mortgage deal every time.

Get the lowest interest rates

Our team of expert mortgage advisors have access to a wide range of specialist and niche buy-to-let mortgages.

Friends Capital can help to get the best mortgage, whether you are:
– Embarking on your first buy-to-let project (read our guide to becoming a UK landlord)
– Have an existing portfolio of properties
– Rent HMO’s to students

Want to know more about buy-to-let mortgages? Read our FAQs.

We have a vast amount of experience in working with landlords and understand that you need a range of options that allow you to make an informed decision. No matter what your circumstances are, we’ll quickly check the lending criteria to make sure we only show you options that are suitable to you.

Our simple, easy and fast process for landlords helps you to find the best mortgage every time and means you can take the stress out of financing your project – giving you more opportunity to concentrate on your property.

We offer a free, no-obligation, mortgage consultation, so don’t delay and speak to one of our mortgage specialists today.

Buy-to-let FAQs

A buy-to-let mortgage enables you to rent a property you own.

Anyone, however, lenders will have key considerations:

  • Your financial circumstances
  • How much rental income you expect to receive.
  • You’re under a certain age. Lenders have upper age limits, generally between 70-75. This is the age they expect you to be when the mortgage ends.  

Lenders will want to know how much rental income you expect to receive. Typically they want to this figure to be between 125% & 145% of your monthly mortgage. 

Example

Mortgage payment: £500

Monthly rental income: £625*

Monthly profit: £125*

Ultimately they want you to make a profit so they can ensure you’ll continue to make your repayments.

*example at 125% of the mortgage amount

Most of the criteria for a buy-to-let mortgage is similar to a standard mortgage. Lenders will look at:

Just like you can’t rent out a property that is on a standard mortgage you can’t usually live in one that is on a buy-to-let mortgage. Different lenders have different rules; Friends Capital have a comprehensive knowledge of the lenders, so give us a call, and we can give you our thoughts. 

If you’re looking to fund a house purchase, releasing equity can be a convenient way to do so. Talk to Friends Capital about the best way to do this! 

If your finances are in good shape then getting a buy-to-let mortgage won’t be any more difficult than a standard mortgage. Remember, you will need a larger deposit, often 25% is the minimum deposit amount.

Yes. Standard/residential mortgages are intended for owner-occupiers. If you rent out a property that has a residential mortgage, you could be in breach of your terms. If you have done this don’t panic, Friends Capital can help! 

Why choose Friends Capital?

Service

Friends Capital work with all of the UK’s top insurance companies and financial institutions meaning we represent the very best the market has to offer but brought to you with independent and impartial advice.

We will explain the pros and cons of different products and make sure that the solution you end up with will be the right one for you.

Trust

Our reputation is our bond. Friends Capital guarantee to deal with everyone with total understanding and empathy of your needs and circumstances. We do not prejudice anyone and work hard to bring you the best possible deal and outcome, regardless of your situation.

Put your trust in Friends Capital and contact us today for all of your financial and protection needs.

Value

Friends Capital is one of the UK’s leading brokers with over 30 years experience of finding the best possible policy to suit your needs at the lowest possible price.

We search the market with all the best providers so that you don’t have to.

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