Buy To Let Mortgages

Buy to let mortgages are given to property landlords, who are buying with the sole intention of letting out the property for additional income. The income generated from rental agreements becomes part of your annual income alongside any wages, or additional income you might have.

You may decide to apply for a buy to let mortgage for just one or two personal properties – or you may decide to setup a LTD company to begin building a property portfolio. At JWD Mortgages, our mortgage brokers have extensive knowledge and access to the very best solutions, to help buy to let property owners perform at the very best rental yields possible. We work closely with tax advisers and specialist lenders to provide you a whole suite of services.

N.B Not all Buy to Let mortgages are regulated by the Financial Conduct Authority

btl opti

Why choose JWD Mortgages?

MicrosoftTeams image

Advisors in Bath, Bristol & Cornwall

MicrosoftTeams image (1)

Experienced dealing with unique cases

MicrosoftTeams image (2)

Transparent pricing with no hidden fees

MicrosoftTeams image (3)

Access the best lending rates across the UK

Intersection 5 upside down y shape

Buy To Let Mortgage FAQs

What is a buy to let mortgage?

Can I change to a Buy to Let mortgage?

Why are Buy To Let mortgages more expensive?

How much deposit do you need for a buy to let mortgage?

Do you need additional income for a buy to let mortgage?

What is the criteria for a buy to let mortgage?

Can I rent out my house without telling my mortgage lender?

What happens to my existing mortgage if I rent my house?

Start earning additional income with a buy to let mortgage

Whether you’re an experienced homeowner or a first time buyer, the idea of earning rental income has probably crossed your mind. Buy to let mortgages are designed to support both landlords and tenants, by levelling the standards set across the rental market. Anyone is eligible to apply for a buy to let mortgage, but every lender will have their own criteria in place. What was previously an elite buyers club, has become a far more accessible form of income for many. Modern buy to let mortgages are designed to make it easier for property owners to earn rental income, while regulating the property market for those unable to purchase.

The UK government have shaped buy to let mortgages since the 19080’s by introducing legislations usually as part of budget announcements. Over the last decade these have involved changing tax relief, implementing stamp duty, amending underwriting standards and more.

If you currently own a property in the UK or are looking to invest in a rental property, our mortgage brokers can help you explore the lender market and calculate the true cost of earning rental income.

Want to rent out a property?

Explore Buy To Let
jay mullings 6aHVWP2zB54 unsplash