Stress-test the rent
Consider periods without a tenant and unexpected repairs.
Moneykind mortgage guides
Considering a buy-to-let property?
Buy-to-let mortgages are usually assessed differently from residential borrowing. Rental income, deposit size and property type can all matter.
Explore mortgage help →What you need to know
Learn how buy-to-let mortgage deposits, rental calculations, tax and landlord responsibilities may affect a UK property investment.
Moneykind helps you make an enquiry and may introduce you to a relevant mortgage professional. Moneykind does not itself provide a mortgage recommendation on this page. Any advice and lender availability will depend on the professional and your circumstances.
Mortgage rates, fees, lending criteria and eligibility can change. Always check the full terms before making a decision.
Three practical steps
Check property eligibility
Flats, HMOs and unusual construction may need specialist criteria.
Get tax advice
Ownership structure can materially affect tax outcomes.
Frequently asked questions
How much deposit is needed for buy-to-let?
Many buy-to-let lenders require around 20–25% or more, although criteria vary. A higher deposit can sometimes open up more options.
How do lenders assess rental income?
Lenders often apply an interest coverage ratio and a stressed interest rate to expected rent. The calculation varies by lender, tax position and product.
Can I buy through a limited company?
Some lenders offer mortgages to eligible special-purpose limited companies. Tax, legal and mortgage implications should be considered with suitably qualified professionals.
What other costs should landlords plan for?
Allow for maintenance, insurance, letting costs, void periods, compliance obligations and relevant taxes. Tax rules can change.
Ready to take the next step?
Tell us what you need help with. Moneykind can use your enquiry to help connect you with a relevant professional, subject to availability.
Start your enquiry →