Buy to Let Mortgages
Buy to Let (BTL) mortgages suit people who want to invest in a property to rent out.
Unlike standard mortgages, lenders will look at the property’s potential rental income, including property management fees and insurance, to calculate the Loan to Value (LTV) ratio and interest rate. You’ll also need a minimum deposit of 25% and a good credit score to be eligible.
Lenders will carry a slightly higher risk with a BTL mortgage and this is reflected in the mortgage rates, which are generally higher than those charged to individuals buying a home to live in.
BTL mortgage payments are made monthly, typically using rental income, and the term can range from five to 40 years.
The FCA does not regulate some forms of Buy to Lets.
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