Buy-to-let mortgage
- Finance your first or next investment property
- Release equity to expand your portfolio
- Compare buy-to-let lenders across the market
What type of landlord are you?
I’m buying my first rental
I already own rental property
Ways to structure your buy-to-let investment
Limited company buy-to-let
Buy a rental property through a limited company rather than in your personal name.
- Check whether company ownership fits your plans
- Compare limited company buy-to-let lenders
- Review how deposits, rates and criteria differ
See company buy-to-let options→
Buy-to-let remortgage
Use equity from an existing property to support your next rental investment.
- See whether your property has usable equity
- Check how extra borrowing affects repayments
- Compare options for your next rental purchase
Explore buy-to-let remortgage options →
Let-to-buy mortgages
Rent out your current home when you move, while buying somewhere new to live.
- Check if you need consent to let
- Compare keeping your home against selling it
- Review how rent affects your next mortgage
Explore let-to-buy options →
HMO and specialist buy-to-let
Find mortgage options for HMOs and more complex rental property types.
- Check whether specialist lending is needed
- Review rental, licensing and valuation factors
- Compare lenders for HMOs and specialist lets
Explore specialist buy-to-let options →
Could this property generate the return you expect?
- Calculate gross rental yield
- Estimate potential investment returns
- Compare different property scenarios
Buy-to-let essentials
How lenders assess landlords
Understand lender criteria →
Personal vs limited company
Compare structures →
Deposit and loan-to-value requirements
See deposit requirements→
See what lenders might offer. Get an Agreement in Principle
- Know how much you could borrow
- Show sellers you're financially ready
- Browse properties within your budget
Arrange your buy-to-let mortgage
As a whole-of-market independent broker, Muttuo searches through over 20,000 mortgage options from more than 100 lenders. We’re here to find the perfect fit for your unique needs.
How we work in 3 easy steps
Getting a mortgage can feel like a big step, but the process is much easier when you know what happens next.
Muttuo Mortgages helps you compare your options, understand what lenders may look for and move from early advice to application with clear support throughout.
Share a few details with Team Muttuo about the property you’re considering, your expected rental income, and how you plan to structure the purchase.
Our independent mortgage experts will outline your options and compare over 20,000 deals from more than 100 lenders to find the right solution for you.
Leave it to Team Muttuo; we’ll manage the paperwork and application process, liaise with the lender, and guide you through until your mortgage completes.
Why choose Muttuo Mortgages
Voted best mortgage broker for multiple years, Muttuo combines modern technology with award-winning mortgage expertise. We combine smart tools with real advisers to make buying, moving and remortgaging simpler.
Whole-of-market comparison
Clear guidance on landlord borrowing
Support throughout the application
Support for unique situations
Buy-to-let timeline
- Review your investment plans and expected rental income (instant)
- Estimate rental yield and borrowing position (instant)
- Compare buy-to-let lenders and mortgage options (1 to 3 days)
- Submit your mortgage application (around 1 week)
- Property valuation takes place (around 2 weeks)
- Receive your mortgage offer (around 2 weeks)
- Legal work and lender checks are completed (2 to 4 weeks)
- Your property purchase completes
Want a more detailed breakdown?
Stamp duty calculator
- Calculate stamp duty on your purchase
- BTL mortgages incur a 5% surcharge
- Understand your total buying costs
A complete guide to buy-to-let investing
- Buy-to-let mortgage rules explained
- Rental income and lender stress tests
- Ownership structures for landlords
The latest mortgage news
Buy-to-let questions answered
How much deposit do you need for a buy-to-let mortgage?
Most buy-to-let lenders require a minimum deposit of 20% to 25% of the property’s value.
However, the required deposit can vary depending on the:
- lender
- property type
- expected rental income from your experience as a landlord
Some lenders may require 30% or more, particularly for new landlords or higher-risk properties.
A larger deposit can also provide access to lower interest rates and a wider choice of lenders.
How do lenders assess rental income for a buy-to-let mortgage?
Buy-to-let mortgages are primarily assessed based on the property’s expected rental income.
Most lenders require the rental income to cover 125% to 145% of the mortgage payment when tested against a higher “stress rate”.
This is known as the Interest Coverage Ratio (ICR) and helps ensure the property can support the loan even if interest rates rise.
Some lenders may also consider your personal income, particularly if rental income falls slightly below their required threshold.
Can you get a buy-to-let mortgage as a first-time landlord?
Yes, many lenders are willing to lend to first-time landlords.
However, lenders may apply slightly stricter criteria, such as:
- higher deposit requirements
- minimum personal income levels
- restrictions on certain property types
Working with a mortgage broker can help identify lenders that are comfortable with first-time landlords, which can significantly improve the chances of approval.
Should landlords buy property through a limited company?
Some landlords purchase buy-to-let properties through a limited company structure.
This can provide potential tax advantages, particularly for higher-rate taxpayers, because mortgage interest may be treated differently than for personally owned properties.
However, limited company mortgages can also involve:
- slightly higher interest rates
- additional legal and accounting requirements
- different lender criteria
For this reason, many landlords consult both a mortgage adviser and an accountant before deciding which structure best suits their long-term plans.
Can you remortgage to buy another rental property?
Yes, many landlords grow their portfolio by remortgaging an existing property to release equity.
If the property’s value has increased or the mortgage balance has reduced, the additional equity can often be used as a deposit for another buy-to-let purchase.
Lenders will still assess affordability, rental income, and the overall loan-to-value across the portfolio before approving the new borrowing.
What types of property can you buy with a buy-to-let mortgage?
Standard buy-to-let mortgages are typically used to purchase residential rental properties, such as flats or houses.
However, some lenders also offer specialist products for:
- HMOs (Houses in Multiple Occupation)
- multi-unit freehold blocks
- student accommodation
- holiday lets or short-term rentals
These property types often involve different lending criteria and deposit requirements, so specialist lenders may be required.
How much can you borrow for a buy-to-let mortgage?
The amount you can borrow is usually based on the expected rental income from the property, rather than your personal salary.
Lenders calculate borrowing capacity using the Interest Coverage Ratio, ensuring that rental income comfortably exceeds mortgage payments.
In many cases, landlords can borrow around 70% to 75% of the property value, although the exact amount depends on rental income, lender stress tests, and deposit size.
Do you pay stamp duty on buy-to-let properties?
Yes. Buy-to-let purchases are usually subject to higher stamp duty rates than residential purchases.
Landlords typically pay a 5% surcharge on top of standard stamp duty rates.
The exact amount depends on the property’s purchase price and your existing property ownership.
Because tax rules can change, it is important to check current stamp duty rates before purchasing.
Can you live in a property with a buy-to-let mortgage?
Yes. Buy-to-let purchases are usually subject to higher stamp duty rates than residential purchases.
Landlords typically pay a 5% surcharge on top of standard stamp duty rates.
The exact amount depends on the property’s purchase price and your existing property ownership.
Because tax rules can change, it is important to check current stamp duty rates before purchasing.
How to apply
Speak to Team Muttuo
Planning your next property investment? Call 0333 012 4015, and we’ll review rental projections, lender stress tests and whether a personal or limited company structure may suit your plans. Lines open Monday to Saturday, 9am to 5pm.
Message Team Muttuo
Start your mortgage journey online
Ready to move on to your next investment? Begin your buy-to-let application online and explore funding options aligned with your rental income and investment strategy.