Buy to Let...

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Buy To Let mortgages

Buy-to-let (BTL) mortgages are for landlords who want to buy property to rent it out. A landlord can have 1 buy-to-let or can have many.

The rules around buy-to-let mortgages are very similar to those around regular mortgages, but there are some key differences that you need to know.


You can get a buy-to-let mortgage under the following circumstances:

  • You can afford to take and understand the risks of investing in property.
    You want to invest in houses or flats.
  • You already own your own home, whether outright or with an outstanding mortgage.
  • You have good credit history and aren’t over committed on your outgoings, for example, credit cards.
  • You earn £25,000+ a year. If you earn less than this you might struggle to get a lender to approve your buy-to-let mortgage
  • You’re below the maximum age Lenders have upper age limits, typically between 70 or 75. This is the oldest you can be when the mortgage ends not when it starts.

Buy-to-let mortgages are a lot like ordinary mortgages, but with some key differences:


• The fees tend to be considerably higher.
• The minimum deposit for a buy-to-let mortgage is usually 25% of the property’s value (although it can vary between 20-40%).
• buy-to-let mortgages interest rate are generally higher.
• BTL mortgages are available on a repayment basis however most are interest-only. This means you pay the interest each month, but not the capital amount. At the end of the mortgage term, you repay the original loan in full.
• Most BTL mortgage lending is not regulated by the Financial Conduct Authority (FCA). There are exceptions, for example, if you wish to let the property to a close family member (e.g. spouse, civil partner, child, grandparent, parent or sibling). These are often referred to as a consumer buy to let mortgages and are assessed according to the same strict affordability rules as a residential mortgage.


Contact us to help you secure your buy-to-let mortgage 01423 561060 or info@sj-fs.co.uk. We will gain the most competitive rate available for your circumstances and work as your trusted adviser.

    about us

    We are a family business, large enough to deliver whatever is needed, small enough to care. We have over 35 years’ experience as financial advisers working with businesses and individuals in all lending and protection solutions. We have access to the whole of market over 150 lenders and over 200 insurers, both high street and specialist, some of which provide us with exclusive deals that the general public cannot access. We are friendly, approachable and helpful with our clients always as our priority at all time. We don’t use jargon we demonstrate real benefits and all of our solutions are brought together to meet the needs of our clients, every time. We pride ourselves on being trusted advisers and developing lifelong relationships which service through generations of families and businesses.

    legal info

    Stuart James Financial Solutions Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Stuart James Financial Solutions Limited is a company registered in England and Wales with company number 9371027. The registered address is Harlow Grange Farm, Otley Road, Harrogate, HG3 1PT.
    Your initial mortgage consultation is free of charge and without obligation. We normally charge a fee for our mortgage service, however, this will depend on your circumstances. Our typical fee starts at £395 payable generally on mortgage offer. Complex cases will usually attract a higher fee. However, we will discuss and agree a fee with you prior to submitting any mortgage application.

    contact info

    Email: info@sj-fs.co.uk

    Phone: o1423 561060

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