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?
First-time landlord
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 →
The Financial Conduct Authority does not regulate some buy-to-let mortgages.
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
Muttuo compares more than 20,000 mortgage options from more than 100 lenders across the market. Our advisers will help you find the right mortgage based on your needs and circumstances.
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 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.
Options from 100+ lenders
We compare more than 20,000 mortgage options across our lender panel to help find the right option for your needs.
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
Clear answers to common questions about financing, owning and using a rental property.
How much deposit do you need for a buy-to-let mortgage?
A deposit of around 25% is common.
Some lenders may accept less, while a larger deposit reduces your loan-to-value and could provide access to a wider choice of deals.
The amount required will also depend on the property, expected rent, your circumstances and the lender’s criteria.
How do lenders decide how much you can borrow?
Expected rental income is usually the main factor.
Lenders normally use an interest coverage ratio, checking whether the rent covers a set percentage of the mortgage interest at a stressed rate.
This is commonly around 125% to 145%. Your deposit, personal income, credit history, existing borrowing, tax position and the property may also affect the amount available.
Do you need a buy-to-let mortgage to rent out a property?
You will normally need one if the property is financed and intended for tenants.
If you already have a residential mortgage and your circumstances change, you must ask your lender whether it will provide consent to let. Consent may be temporary or subject to conditions, and you may eventually need to switch to a buy-to-let mortgage.
You should also inform your insurer before renting out the property.
Should you buy personally or through a limited company?
Neither ownership route is automatically better.
A limited company may suit some landlords, but mortgage rates and fees, lender choice, administration, taxation and how you plan to use the rental income all matter.
Personal ownership may be simpler and could cost less to finance. Compare the mortgage costs and obtain qualified tax and legal advice before deciding.
Can you remortgage to buy another rental property?
You may be able to release equity to help fund another purchase.
This could involve remortgaging your home or an existing rental property. The amount available will depend on its value, the outstanding mortgage, affordability or rental coverage, loan-to-value and lender criteria.
This increases the borrowing secured against that property, so consider the overall cost as well as the amount released.
Can you or a family member live in a buy-to-let property?
Not under a standard buy-to-let mortgage.
The property is intended to be rented to tenants rather than occupied by you. Letting it to a close relative can also change the mortgage and regulatory requirements.
Tell your adviser who will occupy the property before applying, as a residential or regulated family buy-to-let mortgage may be needed.
Things to consider
Mortgage availability and borrowing depend on your circumstances, the property, expected rental income, deposit and lender criteria. Rental income and property values can fall, while void periods and other costs may reduce your returns. Calculator results are estimates only and are not mortgage, investment or tax advice. Tax treatment depends on your circumstances and may change. An AIP is not a mortgage offer or guarantee of approval.
Your property may be repossessed if you do not keep up repayments on your mortgage.
How to apply
Call Team Muttuo
Talk through your next property, expected rent and buy-to-let plans with a mortgage adviser. Lines open Monday to Saturday, 9am–5pm.
Start online
Share your property and rental details to begin exploring your buy-to-let mortgage options.