Buy-to-let done smarter, not harder.
Mortgage advice for buy-to-let properties.
First-time investor or seasoned portfolio landlord? Secure your buy-to-let mortgage without hassle.
Your mortgage repayment will be your biggest outgoing cost. The right choice can lower payments and boost profit.
With the Mortgage Advice Bureau (MAB), we offer landlords and investors a wide list of buy-to-let mortgage deals. Many are exclusive and can only be obtained through a specialist advisor.
Your MAB advisor will guide you through the deals available. You'll be recommended a mortgage to suit your individual needs, budget and circumstances. As well as home and life insurance to protect your new investment.
Finding the right buy-to-let mortgage deal starts with a free meeting. Complete the form below to get an idea of current available rates. When you're ready, book your free meeting with our mortgage advisors.
Speak to a mortgage advisorSpeak to one of our Mortgage Advisors.
Buy-to-let FAQs
We've worked with investors of all experience levels. Here are the most common questions we get asked about buy-to-let mortgages.
Most lenders request a minimum of 25% of the purchase price for a deposit. There are some 20% deposit mortgages available, but these are seen as a higher risk by lenders and can come with a higher rate.
The deposit amount is also dependent on the rental income of the property, lender stress rate and the loan amount available.
A stress rate is an interest rate that lenders and regulators use to assess if a borrower can still afford their mortgage payments if interest rates rise in the future.
Stress rates vary depending on whether you buy the property as an individual or as a company. They also vary depending on your personal income tax band and whether you're after a 2 or 5-year rate.
Your mortgage advisor can tell you the stress rate for each provider and product. They’ll provide an expected rental value of the buy-to-let property and calculate your maximum loan based on the property itself.
Because a buy-to-let mortgage is for an investment property (an asset), some lenders don't require a minimum personal income. Some are willing to lend with no personal income at all, basing the loan amount on the property's expected rental income.
With that said, most standard high street lenders have a minimum income requirement of around £20,000 – £30,000, varying between lenders.
A mortgage advisor is essential. Not only will we scour the whole mortgage market for the right deal, but we'll identify the right mortgages for your income and personal circumstances.
Important Note: There's no guarantee your property will always have a tenant or that the rent will be enough to cover the mortgage.
Explore how much you can borrow.
