When searching for an investment property, one of the most crucial factors is securing the best deal on a buy-to-let mortgage that fits your unique circumstances and ensures a profitable outcome.

Whether you're dealing with a complex financial situation or navigating fluctuating market conditions, finding the right mortgage doesn’t have to be a daunting task. We believe that the process should be as smooth and stress-free as possible, no matter your circumstances. From our initial consultation to the completion of your property purchase, we are here to ensure you overcome any financial hurdles and get the best buy-to-let mortgage available. Understanding your mortgage is key to a successful property investment. We will make sure you fully grasp all the details of your mortgage agreement - whether it's related to the loan amount, interest rates, or repayment terms - so you can feel confident moving forward.

A buy-to-let mortgage is essential if you plan to purchase a property to rent out to tenants and require financing to do so. While buy-to-let mortgages are very similar to residential ones, there are critical differences, including how the amount you can borrow is calculated and stamp duty rates that apply. No matter the complexity of your financial background or the property you wish to invest in, we’re here to help. Your success in property investment starts with the right mortgage, and we’re dedicated to finding the perfect solution for you, even in challenging circumstances.

Mortgage Calculator

Not sure how much you could borrow? Use our helpful Mortgage Calculator to explore your options and monthly payments. If you have any questions, we’re always happy to talk to you.

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About Us

We’ve been providing friendly mortgage advice to the Ashbourne area, Derbyshire and beyond for over 20 years. Take a look at why our customers keep returning to us again and again.

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Stamp Duty Calculator

It can be complicated and confusing to work out how much stamp duty you’ll need to pay on a new property. Use our calculator to take away the hassle and work out your budget.

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Key Facts

Securing a buy to let mortgage should never need to seem like a daunting process. We’ve set out some of the key features of a buy to let mortgage to put your mind at ease about finding one suited to you.

1. How much can I afford?

Determining how much you can borrow for a buy-to-let mortgage differs from a standard residential mortgage because it's not just based on your personal income. Lenders will also evaluate the potential rental income from the property you plan to purchase. Since each lender may use different criteria for calculating rental income, it's important to get an accurate assessment.

2. Your deposit

When applying for a buy-to-let mortgage, a larger deposit is typically required. While the minimum deposit is often around 20%, most buy-to-let mortgages will ask for at least 25%. Just like with standard mortgages, securing the most favourable rates and deals often means providing a larger deposit, which could be up to 40% of the property's value.

3. Stamp duty and tax

You are required to pay stamp duty on any property purchased in addition to your primary residence, with an extra 3% of the property value charged on top of the standard SDLT rates. Additionally, as a landlord, any rental income you earn will be subject to income tax. We recommend consulting with a tax advisor to fully understand your tax obligations before proceeding with your investment.

4. Finding the right property

When investing in property, it's crucial to choose one that will generate a profit. Selecting the right property in a prime location is key to success. Additionally, partnering with a reliable letting agent can greatly assist in securing and managing the best buy-to-let property; we collaborate with several reputable agents and are happy to recommend them if you need their expertise.