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Despite market challenges in recent years, buy-to-let property remains one of the UK’s most resilient and popular investment strategies. Landlords continue to see long-term value in bricks and mortar, and with rental demand still outstripping supply in many regions, the appetite shows no sign of slowing.
In fact, the latest figures from Moneyfactscompare.co.uk reveal that the number of available buy-to-let mortgage products has now reached a record high, with over 4,000 deals currently on the market. This offers a wealth of choice for both seasoned investors and those stepping into buy to let for the first time.
With so much to consider, here are some of the most frequently asked questions our team hears and the answers you need to know:
Can I get a buy-to-let mortgage with no personal income?
Yes, some lenders do not require a minimum personal income, instead basing lending decisions solely on the expected rental income from the property. This can be especially helpful for retirees, business owners, or full-time landlords.
Is there an age limit to get a buy-to-let mortgage?
It depends on the lender. Some lenders impose upper age limits (typically 70–85 at application or end of term), but we work with several lenders who have no maximum age limits. Options can improve for experienced landlords with larger deposits.
Can I raise a deposit by remortgaging an existing property?
Simply put, yes. If your existing property benefits from positive equity there may be a number of options available to you from a simple remortgage to second charge loans.
How much deposit do I need for a buy-to-let mortgage?
Most buy-to-let mortgages require a minimum deposit of 20–25% of the property’s value. Some lenders offer more flexible options depending on the rental yield and the applicant’s circumstances, especially if you have multiple properties or a strong portfolio history.
Why work with us?
At Mortgages & Insurers Solutions, we’ve won multiple Moneyfacts awards for our expertise in the buy-to-let space. Our team specialises in sourcing competitive products, navigating complex criteria, and ensuring smooth, stress-free applications from start to finish.
Whether you’re purchasing your first investment property or expanding a portfolio, we’re here to help you find the best deal available, and handle all the paperwork for you.
Contact us today to discuss your options on 0208 364 3444 or click here to schedule a free consultation call.