This is not a quotation under the Consumer Credit Act. Figures are subject to validation of income, credit checks and a property valuation.
Buy-to-Let
Want to invest in a buy-to-let? Whether you’re new to the investment market or a seasoned landlord, we can help. Here on our Buy-to-Let Hub you’ll find resources for everything you need to know about buy-to-lets, from how rental properties work to what you can borrow and the buy-to-let mortgage options available.
Talk to a buy-to-let adviser
Fill out this enquiry form and we’ll contact you to book a free call with one of our buy-to-let mortgage experts.
"*" indicates required fields
On this page:
Step
Learn How Buy-to-Let Works
Want to invest in a buy-to-let property? Well first thing’s first: you need to understand how it all works.
Here in our Buy-to-Let Guide we’ve broken down how buy-to-let works, what a buy-to-let mortgage is, how to get one, what rental yield and capital growth are, how much you need in deposit, the fees and costs, and finally how to choose the right rental property.
An Experts Guide to Buy-to-Let
Buy-to-let can be a rewarding investment, but it comes with its own set of challenges. From stricter lending criteria and higher deposit requirements to the responsibilities of being a landlord, preparation is key.
Understanding how rental yield, tax rules, and mortgage structure affect your returns will help you make informed decisions. With the right guidance, you can secure a mortgage that supports your goals and builds a sustainable property portfolio.
Nicholas Mendes
Head of Marketing
Steps
Calculate How Much You Can Borrow on a Buy-to-Let
Now you know a bit more about how buy-to-lets work, you can start looking into what you can borrow on a buy-to-let mortgage.
Use our free Buy to Let Mortgage Calculator to work out what you could potentially afford based on the potential rental income from the property.
Buy to Let Mortgage CalculatorBuy to Let Rent CalculatorMortgage Deposit Saving CalculatorMortgage Loan-to-Value Calculator
How Much Can I Borrow?
The maximum loan you can borrow is:
What could your maximum loan be…
Calculating your maximum loan
How is this calculated?
Lorem ipsum dolor sit amet consectetur adipiscing elit. Quisque faucibus ex sapien vitae pellentesque sem placerat. In id cursus mi pretium tellus duis convallis.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
How Much Can I Borrow?
This is not a quotation under the Consumer Credit Act. Figures are subject to validation of income, credit checks and a property valuation.
The maximum loan you can borrow is:
What could your maximum loan be…
Calculating your maximum loan
How is this calculated?
Lorem ipsum dolor sit amet consectetur adipiscing elit. Quisque faucibus ex sapien vitae pellentesque sem placerat. In id cursus mi pretium tellus duis convallis.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
Mortgage Deposit Calculator
To work out how much you will need to save each month to reach your deposit amount, try our calculator below.
This calculator is for illustrative purposes and you should check the progress of your savings and review it regularly to ensure you are on track to reach your amount by the target date.
You can also use this tool as a buy-to-let mortgage deposit calculator or to calculate your deposit savings for a residential property.
Below you’ll find information on mortgage eligibility and what satisfies a lender’s requirements.
What you will need to save per month
The amount you'd need to save could be…
Calculating your saving amount
How is this calculated?
Lorem ipsum dolor sit amet consectetur adipiscing elit. Quisque faucibus ex sapien vitae pellentesque sem placerat. In id cursus mi pretium tellus duis convallis.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
What Is My Loan-to-Value?
This is not a quotation under the Consumer Credit Act. Mortgage application approvals are also subject to validation of income, credit checks and a property valuation.
Your LTV is:
Your LTV could be…
Calculating your LTV
How is this calculated?
Lorem ipsum dolor sit amet consectetur adipiscing elit. Quisque faucibus ex sapien vitae pellentesque sem placerat. In id cursus mi pretium tellus duis convallis.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
Can you get a buy-to-let?
Concerned your situation is slightly more complicated than how much you can borrow? No problem! Here are some common questions and scenarios people ask us about buy-to-let mortgages.
StepFind out more about mortgage types
Compare Buy-to-Let Mortgages
Got an estimate of what you can potentially borrow and what kind of property you’re looking at? Perfect, then it’s time to start comparing buy-to-let mortgages and looking at the sorts of deals available to you.
Here you’ll find our best buys tool which allows you to compare the best buy-to-let mortgage rates currently on the market. You’ll also find helpful information on what buy-to-let mortgages are and how they work, the criteria lenders consider, how a buy-to-let mortgage broker can help, the process you go through and more.
Types of buy-to-let mortgages explained
It is possible to get a repayment buy-to-let mortgage but most mortgages for buy-to-let properties tend to be interest-only.
With an interest-only mortgage, you only make monthly interest payments. You pay off the mortgage balance (the amount you borrowed for the property) at the end of the mortgage term via a repayment vehicle or when you remortgage.
You can also own a rental property in your personal name or through a buy-to-let limited company.
Buy to Let Best Buys
Based on a mortgage of £125,000 at 50.00% LTV.
-
Provider
Initial Rate
3.00%
Then 3.00% (variable)
Cost Comparison
6.00% APRC
-
Provider
Initial Rate
3.00%
Then 3.00% (variable)
Cost Comparison
6.00% APRC
-
Provider
Initial Rate
4.00%
Then 4.00% (variable)
Cost Comparison
6.00% APRC
Steps
Consider Buy-to-Let Tax
It’s important to understand what costs you could face as a landlord besides from the expected ones like the mortgage and deposit.
In this guide you’ll find a breakdown of the latest buy-to-let tax changes and buy-to-let tax relief options. We go over tax relief on buy-to-let mortgage interest and tax credits, the Replacement of Domestic Items Relief, Private Residence Relief, buy-to-let Stamp Duty and more.
Step
Ready to Find the Perfect Deal? Speak to the Experts
At John Charcol, we’re there from the very start of your journey to guide you through each and every step.
Start your journey today
Book an appointment with an adviser today and we’ll find you the best first mortgage deal, for free.