Buy to Let

A buy to let mortgage is a loan for purchasing or refinancing residential property which is let to tenants rather than lived in by the borrower. Classed as a business transaction, rates and fees are typically higher than those you would find with a standard residential mortgage. You’ll need a larger deposit too – the maximum you can borrow is 80% loan to value although there are many more rates available at 75% LTV.


A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

The FCA do not regulate most forms of Buy to Let mortgage.