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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Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

You’ll find details of the regulated status of our firms, including FCA numbers and links to the Financial Services Register on each of the location pages in the ‘Find an adviser’ section.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and therefore targeted primarily at UK-based consumers.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Find full details of the FOS at www.financial-ombudsman.org.uk

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