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Buy To Let

Buy-to-Let Mortgages


The application for a Buy-to-Let mortgage is similar to a residential mortgage application, but with a few differences. These differences include the amount you could borrow and how much deposit you will need.

What is a buy-to-let mortgage? 

buy-to-let mortgage (BTL) is a mortgage specifically for people who want to buy a property, whether a house or a flat, to rent out to tenants.

How much can you borrow?

How much you can borrow will depend on your deposit, personal circumstances and rental income. 

What deposit do I need for a buy-to-let mortgage?

Most lenders will require you to put down a larger deposit for a buy-to-let mortgage. This is usually around 25% and 40% of the property’s value.

Do I need to pay Stamp Duty on a buy-to-let mortgage?

The rules regarding Stamp Duty for a buy-to-let property are different for people buying a property to let them out, with landlords paying a little more.


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Because we play by the book we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

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