Photo ID
One per applicant
Passport or full UK photocard driving licence, for every applicant and every director.
Buy-to-let mortgages
Know what the property will borrow before you offer
A buy-to-let mortgage is secured against a property you let out rather than live in, and the loan is usually sized on the rent it can achieve. Send me the address and the expected rent and I will tell you what is realistic, personally or through a company.
- Personal and limited company cases, including HMOs and portfolios
- The rental stress test worked through before you offer
- One point of contact from first call to completion
Speak to me about your buy-to-let
The first conversation is free and there's no obligation.
Access to hundreds of lenders across the UK
Compare the options and find the mortgage that fits your circumstances.
Lenders available through Mortgage Lane include NatWest, Nationwide, Barclays, Halifax, Santander, HSBC UK, Accord, Coventry, Skipton, Kensington, Precise, Together.
Rates
Latest buy-to-let rates
Illustrative examples, updated September 2026.
| Initial rate | Initial payment | Reversion rate | Total fees | Type | APRC | Initial period | Early repayment charge |
|---|---|---|---|---|---|---|---|
| 4.34% | £615.14 | 7.24% | £1,495.00 | Tracker | 6.92% | 24 months | Yes |
| 4.49% | £624.67 | 7.60% | £679.00 | Discounted | 7.22% | 24 months | Yes |
| 4.64% | £634.28 | 7.34% | £225.00 | Discounted | 7.03% | 24 months | Yes |
| 4.79% | £643.96 | 7.24% | £1,999.00 | Fixed | 7.06% | 24 months | Yes |
| 4.94% | £653.71 | 7.24% | £1,050.00 | Fixed | 6.94% | 61 months | Yes |
The examples in this table are based on a property valued at £150,000 with a £112,500 mortgage secured against it, excluding any additional fees.
Figures assume a capital and interest repayment mortgage over a 25 year term.
These are illustrative examples, not live pricing and not an offer of credit. Rates, fees and criteria change frequently, and the amount you can borrow depends on your own circumstances.
Buy-to-let mortgage calculator
£
Indicative loan size
£0.00
Indicative only, based on an assumed stress rate of 5.5% and rental cover of 125%. Each lender stresses rent differently, and the property value will also cap the loan. This is not a lending decision or advice.
What You'll Need
Landlord cases need a bit more than residential. Here's the full picture, including limited company and portfolio cases.
You, personally
Proof of address
Two documents
Two items dated within 3 months.
Proof of personal income
Last 3 months
Most buy-to-let lenders want to see a minimum personal income — typically £25,000 — separate from the rent. 3 months' payslips if you're employed, or 2 years' SA302s and tax year overviews if you're self-employed.
Personal bank statements
Last 3 months
Full statements covering the whole period.
Proof of deposit
One set of statements
Buy-to-let usually needs 25% down, sometimes more at higher loan sizes. Statements showing the funds and where they came from.
The property
Rental valuation
One letter or valuation
From a letting agent, estimating the achievable monthly rent. This drives the stress test, which is the single biggest factor in how much you can borrow.
Tenancy agreement
One per tenancy
The current AST if there's a tenant in place. For an HMO or multi-unit, all of them.
EPC
One certificate
Rating E or above — below that the property can't legally be let, and lenders check.
HMO licence
One licence
If it's a licensed HMO. Plus the local authority's Article 4 position if that applies.
If you already own property
Required if you have four or more mortgaged buy-to-lets — that makes you a portfolio landlord in the eyes of the regulator, and the paperwork steps up.
Portfolio schedule
One schedule
Every property you own: address, value, lender, balance, rate, product end date, monthly rent. Most lenders have their own template — I'll send you the right one.
Business plan
One document
Required at 4+ mortgaged properties. Your strategy, how the portfolio is performing, what you're planning next. Sounds heavier than it is — I write these with clients.
Cash flow forecast
One forecast
Rental income against mortgage payments and costs across the whole portfolio, usually 12 months forward.
Assets and liabilities statement
One statement
A full picture of what you own and what you owe.
Certificate of Incorporation
One certificate
From Companies House.
Memorandum and Articles
One document
The company's constitutional documents.
SIC code confirmation
One confirmation
Needs to be a property SIC code — usually 68100, 68209 or 68320. The wrong code narrows your lender panel sharply, and it's fixable.
Director and shareholder details
One set per person
ID and address proof for everyone with a stake. Most lenders cap the number of directors and want them all to be shareholders.
Company accounts
Last 2 years
If the company has been trading. A brand-new SPV doesn't need these — that's normal and not a problem.
Company bank statements
Last 3 months
If the account has been running.
Personal guarantees are standard on limited company lending. Every director signs one, and most lenders want you to take independent legal advice on it before completion.
These are what most lenders ask for. Some want less, a few want more. I'll confirm exactly what yours needs once we've picked one.
The rental valuation drives the stress test, and the stress test decides how much you can borrow. Get that number right early and everything else follows.
Process
The mortgage process, start to finish
Four stages. You will always know which one you are in and what happens next.
- 1
Understanding the case
Everything starts with a proper conversation. I go through your income, your deposit or equity, the property itself and what you are trying to achieve. If it is an investment purchase, that includes rental figures, any refurbishment plans and how the property is being held. Once I have the full picture, I search the market and come back with a recommendation and the reasoning behind it.
- 2
Decision in principle
When you are happy with the recommendation, I put the case to the lender for a decision in principle — usually the same day. This confirms the lender is willing to lend, and on what terms, before anything is committed. In here, you pay an initial fee to process your case. Lender and valuation fees become payable when we move to full application.
- 3
Application, valuation and underwriting
I submit the full application and package the supporting documents so the underwriter has everything in one go — this is where most delays happen, and where preparation earns its money. The lender books the valuation, underwriting runs alongside it, and I chase both. If a query comes back, I deal with it rather than passing it to you.
- 4
Offer to completion
Once the formal offer is issued, your solicitor takes over the legal work. I stay on the case — keeping the lender, solicitor and agent moving, flagging anything that looks like it is drifting, and making sure the offer does not expire while everyone waits on each other. [CLOSING LINE — one sentence on staying in touch after completion, e.g. reviewing the rate before the product ends.]
Common questions
How much can I borrow on a buy-to-let?
Most lenders size the loan on the rent the property is expected to achieve, stressed at a rate above the one you pay. The rental valuation is usually the number that decides it.
How much deposit do I need?
Buy-to-let normally needs a larger deposit than a home you live in. A bigger deposit also eases the rental stress test.
Should I buy personally or through a limited company?
It changes the lenders available and the tax position. I can explain the mortgage side of both; the tax advice should come from an accountant.
Can I get a buy-to-let as a first-time landlord?
Often yes, though first-time landlords are assessed more tightly and some lenders want to see personal income alongside the rent.
Do you handle HMOs and portfolios?
Yes. Houses in multiple occupation, flats above commercial premises and portfolios of four or more mortgaged properties all have their own criteria and paperwork.
REVIEWS
What my clients say
Sample reviews shown for illustration only. Genuine client reviews will appear here once collected.
Client reviews coming soon
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14 August 2026
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3 September 2026
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21 July 2026
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29 August 2026
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Let's look at the property
Send the address, the rent you expect and how you plan to hold it, personally or through a company. I will come back with what is achievable.
Request a call back
Lenders treat landlords very differently, so the same property can produce quite different answers. If you would like me to look at yours, the first conversation is free.