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Find a buy-to-let mortgage

If you’re looking to purchase or refinance a buy to let property, you have come to the right place. Our advisers will help you explore all options available.

Your home may be repossessed if you do not keep up repayments on your mortgage. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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Buy-To-Let Mortgage Broker

We’re not limited to a handful of lenders. We have access to the biggest players in the market as well as specialist, niche lenders. We’ll search over 90 lenders to find you the right buy-to-let product tailored to you and your needs.

We specialise in Buy-to-Let Mortgages

A buy to let mortgage is a special type of mortgage which allows you to let the property to tenants. Buy to let properties can be a great way of creating extra income and expanding your property portfolio and is usually seen as a long term investment.

As buy to let properties are a form of investment, you will want to maximise profit so it is essential you obtain a great mortgage deal. As RJ Mortgages are a whole of market brokers, you can be assured that you are getting a great product and price.

Buy to let mortgage deposits are usually higher than what is typically needed for a standard residential mortgage as you are likely to need around 20-25%. You will also need to know roughly how much the property would rent for each month as your affordability calculations are dependent on the rental income achieved.

3 Simple Steps

Enquire

Arrange a free 30 minute consultation to discuss your current situation and come up with a plan to get you mortgage ready.

Apply

We will issue you with a decision in principle and when ready, submit your application, taking care of all of the paperwork – saving your precious time.

Complete

Once the mortgage has been submitted, our team will manage the whole process ensuring the solicitors, estate agents and lenders are all working together.

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Buy-To-Let FAQ's

Take a look at some of our most frequently asked questions about buy-to-lets.

What deposit do I need to put down on a buy to let?

Typically a 25% deposit is needed but there are certain scenarios where you may be able to use a 20% deposit.

Can I buy a buy to let property if I’m a first time buyer?

Yes, you can. There are some lenders who will accept a buy to let application from a first time buyer.

How much can I borrow on a buy to let mortgage?

The maximum you can borrow is linked to the amount of rental income you expect to receive. Your lender will want to be sure your rental income from your property will cover the mortgage payments, plus a bit extra.

What stamp duty will I pay on a buy to let property?

Stamp Duty Land Tax (SDLT) for buy to let properties is an extra 3% on top of the current SDLT rate bands. See our stamp duty blog here (link to blog).

About RJ Mortgages

RJ Mortgages compare thousands of products available on the market, making sure you are getting the very best for your individual needs. We provide advice in a way that is clear and easy to understand, leaving you feeling educated and inspired.

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Rachel was brilliant from start to finish. I wasn’t too hopeful she could help us as we are older with a history of adverse credit. We had been stuck in a horrible high interest mortgage. She did help us we are so happy and it has saved us so much money each month. It’s all quite techy now too submitting stuff on line and Rachel was always there to help us with that too.

Steph

2022-07-11

Me and my girlfriend have recently bought our first house and I have to say I don't think we could have done it without the help of Rachel! She was literally there for us every step of the way and helped guide us through the whole process of getting the best mortgage for us! Whenever something came up that we wasn't too sure about, all we had to do was ask and she'd explain and take care of everything in a nice and simple way. I would definitely recommend her and her services and wouldn't hesitate to use her again!

Matt Moore

2022-11-07

Highly recommend Rachel, she worked all hours to make sure I got the best rate on mortgage in these really rough times, her communication was brilliant, she explained eveything to me and updated me on eveything as she done it. Will defiantly be using Rachel for all future mortgage work. Thank you so much and for making it so easy!

Jade Robertson

2022-10-20

Really impressed with the service Rachel provided us during our re-mortgage. Nothing was too much trouble. We asked a lot of questions during the application and Rachel answered all of them quickly and professionally. We've now got a great new rate and are so happy! Best of all was the communication and keeping us updated on progress - something which was important to us. A great experience all round. Thank you very much Rachel, we'll definitely be recommending your services to our friends and family

Richard Williams

2022-07-20

Rachel has been so amazing through the process of my move. Not only did she get us a good rate she kept us informed all the way through. Rachel went above and beyond being a mortgage advisor and helped be massively when it looked like the sale wasn't going to happen. So grateful to her!

Adam Dowsett

2022-11-09

I cannot recommend Rachel enough. I understood nothing about mortgages and the whole experience seemed very overwhelming but Rachel made the whole process seamless. She is incredibly knowledgable, friendly and kept us both updated throughout the whole process. Nothing was too much trouble for her and she was constantly on hand to answer my 10,000 questions. She was very quick at getting back to us and handled every detail for us. Highly recommend! We will be using Rachel again in the future. 11/10

Sarah Thorburn

2022-09-06

Rachel has been brilliant from start to finish, in our quest for additional borrowing and product transfer on our mortgage. Having tried to get the same outcome with our existing lender and other brokers to no avail, Rachel came up trumps. Communication was excellent, it didn't matter what time of day, which allowed for flexibility outside work hours. The whole process was seamless and took weeks rather than months to complete. Very happy customers!

Katie Taylor

2022-12-01