Buy-to-Let Mortgage Advice

One of the most popular options for investment is the art of buying property to let.

Fortunately, we offer a one-stop shop for landlords new and old! Whether you're about to dip your toe into the world of property investment, or you're a seasoned, portfolio landlord, we can help you with your purchase or remortgage your existing assets, just ask!

Buy-to-let mortgages are different to regular residential mortgages, starting with their eligibility criteria. Whilst the criteria vary from lender to lender, they usually consider the following:

  • Age – Lenders usually prefer you to be over the age of 21 years old.
  • Deposit – Buy-to-let mortgages usually require a larger deposit than a standard residential mortgage. Deposits typically range between 20% and 40%.
  • Income – As with most mortgages, lenders will examine your income before agreeing to a buy-to-let. Most lenders require a minimum household income of £25k per annum.
  • Credit history – Again, examining your credit history is something you should expect as standard when looking at borrowing, buy-to-let mortgages are no exception.

To learn more about buy-to-let mortgages and find a deal that’s right for you, contact one of our advisors today.

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Simply fill out the form below and we’ll get back to you as soon as possible.

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*Please note: This is a guide and not a formal quotation. Please ask us to arrange one for you.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Lucas & Clash Mortgages Ltd is an appointed representative of Beneficial Ltd, which is authorised and regulated by the Financial Conduct Authority, FCA number 736655.

Lucas & Clash Mortgages Ltd is authorised and regulated by the Financial Conduct Authority, FCA number 990353.

Our registered office address is 22 Penallta Rd, Ystrad Mynach, Hengoed CF82 7AP

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