Supporting Our Clients
Buy-to-Let mortgages are designed for property investors and private landlords who do not intend to live in the purchased property. Whether you’re a first-time landlord, growing a portfolio, or buying through a limited company, our advisers provide expert guidance, access to 40+ specialist lenders, and support to secure competitive rates and the right mortgage for your investment goals.
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Access to 40+ specialist buy-to-let lendersWe work with over 40 specialist buy-to-let lenders, giving you access to a broad range of mortgage products and competitive rates that aren’t always available on the high street.
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Expertise for first-time and experienced landlords
Whether you’re purchasing your first investment property or expanding an existing portfolio, our advisers offer expert guidance tailored to your level of experience and long-term goals.
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Limited company mortgage guidance
If you’re considering purchasing through a limited company, we’ll explain the pros, cons, and tax implications to help you choose the most efficient structure for your investment.
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Competitive rates and tailored mortgage solutions
We compare products across a wide network of lenders to find competitive rates and structure your mortgage around your needs, rental yield, and investment strategy.
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Support through the full application process
From your first enquiry to final completion, our team manages every stage of the mortgage process – keeping things clear, efficient, and stress-free.
Buy-to-Let Considerations
Securing a buy-to-let mortgage requires careful consideration. Deposits usually start at 25%, with larger amounts unlocking better rates. Lenders assess rental income against mortgage payments, so accurate projections are essential. Some landlords purchase through limited companies for tax advantages, but it’s important to understand the implications. Only habitable, compliant properties qualify for standard buy-to-let mortgages, while non-standard or holiday lets may need specialist solutions.
Buy-to-Let Mortgage FAQs
Here’s a quick guide to the most common questions we’re asked about buy-to-let mortgages. If you can’t find the answer you need, our expert advisers are always here to help.
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How much deposit do I need for a buy-to-let?
Most buy-to-let lenders require at least a 25% deposit, though larger deposits (typically 40% or more) can unlock better rates and a wider choice of mortgage products. -
Should I buy through a limited company?
Many landlords now use limited companies for potential tax advantages, but this approach isn’t right for everyone. Our advisers can help you weigh up the pros, cons, and costs. -
Can I get a buy-to-let with bad credit?
Yes, it’s possible. Some specialist lenders offer buy-to-let mortgages for clients with adverse credit histories, though criteria and rates vary depending on your circumstances. -
Do all properties qualify for buy-to-let mortgages?
Not all do. Most lenders require properties to be habitable and meet specific standards. Non-standard builds or holiday lets may need a specialist buy-to-let mortgage.
Mortgage Reviews
“Our adviser and administrator at Visionary Finance have been steward advisers throughout the lending acquisition process. The products are dictated by the lenders and the professional support from VF is critical to ensure an objective journey. Due diligence is tedious with international financing clients and attention to detail is important to manage, patiently and professionally.”
“In a turbulent year, our adviser’s professionalism, level of communication, care and sensitivity, and sheer tenacity, helped us secure a mortgage – even as we navigated the challenges of purchasing a UK apartment across three countries and during a global pandemic. When things go smoothly, that’s great, but it’s when things go wrong that you need a good person and a professional on your side. We cannot thank him and the team enough.”
Ali Cipriano
“I have been very impressed by the supportive service given to me by the team at Visionary Finance. My mortgage adviser didn’t tire even though our application for a mortgage was a challenge as one of us is a non-resident buyer which adds complication to the arrangement process. There were a number of rejections by some lenders but Visionary Finance kept going until success was reached. Thanks for your great efforts.”
Paul German
“My last 2 brokers were unable to sort out my mortgage, I felt helpless until I was introduced to Visionary Finance by the developer. I’m really impressed by their service, they have handled my case in a professional and efficient manner. They are always responsive and explained every step to me clearly. They are really committed and hardworking to help me with securing a mortgage offer, definitely recommended their great service.”
Buy-to-Let Mortgage Resources
Explore our helpful guides and resources to learn more about the mortgage process, compare different products, and make confident, informed decisions when buying or investing in property.
