If you a looking to purchase a property to make money from rental income then the process starts by looking at finance options. Whilst you will typically need a larger deposit, there are several other aspects to consider too. Whether this is the first property or part of a portfolio, there are several options with regards to mortgages to ensure the best mortgage is secured.
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Most BTL mortgages will require a larger deposit, often around 20%-25%.
If you have several BTL properties then we can look to remortgage these together which saves you time and hassle.
One thing to consider when looking at an investment property as a landlord is that the purchase will attract a surcharge on the stamp duty rates of 5%. Stamp duty calculator: moneyhelper.org.uk
Whereas a residential mortgage considers income and expenditure for affordability, for a BTL motgage the rental income (either actual or projected for a new purchase) is used to determine the level of borrowing possible.
Whilst some lenders will require a landlord to either be a homeowner or experienced landlord, there are lots of lenders who will consider an investment property purchase as first time landlords or buyers.
Whether you are an experienced landlord or looking at starting off on your property investment journey click here to start the conversation of how we can help you today.
LEGAL INFORMATION
Latitude Finance Ltd is an Appointed Representative of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981).
There may be a fee for Mortgage Advice. The precise amount will depend upon your circumstances and will be agreed upon following your initial meeting.
Equity Release, Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. Latitude Finance Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Conveyancing, Wills, and some forms of Buy-to-let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is, therefore, primarily targeted at consumers based in the UK.
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