Contact UsContact Us

Can You Get Up to 90% or 95% Buy-to-Let LTV?

Answered on 12 January 2026

Find your perfect mortgage deal

Fill out the short form below and we’ll contact you to book a free call with our mortgage experts.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
We ask for your telephone number to ensure we can reach you quickly and personally, providing a more tailored and responsive experience for your needs.
Acceptance
Read full disclaimer

By submitting this form, you consent to being contacted by John Charcol for the purposes of progressing your mortgage application.

As John Charcol is part of Pivotal Growth Ltd, you can also choose to hear about other products or services offered within the group that we believe may be helpful to you.

You can change your preferences or opt out at any time. For more details, please read our cookie and privacy statement.

Please tick above if you’d like to receive these communications:

Can you get a 90 or 95% LTV for a BTL mortgage? Or can you get 80% LTV on buy-to-let? What is the maximum LTV for a buy-to-let mortgage?

Answered by: Nicholas Mendes

Maximum Buy-to-Let LTV for Mortgage

Lenders offering buy-to-let (BTL) mortgages typically require larger deposits than residential mortgages, so many will limit buy-to-let LTVs (loan-to-values) to 75% with a 25% deposit.   

However, there are a growing number of lenders who can offer higher LTV ratios for buy-to-let mortgages, including options up to 80% – 85% LTV.  This means it is possible to get a buy-to-let mortgage with a minimum deposit of 20% -15%. 

Can I Get a 95% Buy-to-Let Mortgage?

No, the maximum LTV for a buy-to-let mortgage currently available is 85%. 

Can I Get an 85% LTV Buy-to-Let Mortgage?

Whether you can get an 80% or 85% LTV on a buy-to-let mortgage will depend on your situation. Buy-to-let mortgages can vary greatly and the offers available to you are subject to many different factors – e.g. how much deposit you can put down, how much you can pay back every month, etc. Alongside this, lenders will use a rental affordability calculation to determine whether they think your buy-to-let mortgage is financially feasible – this means that the monthly rental income for your new property must be at least equal to 145% of the monthly mortgage payments on an interest-only basis using a nominal rate of around 5%.  

When seeking a high LTV buy-to-let mortgage, it’s advisable to work with a mortgage broker who specialises in buy-to-let financing such as John Charcol. We can help you navigate the market, identify lenders offering higher LTV ratios with criteria compatible with your situation, and negotiate favourable terms on your behalf.

What to Expect from a BTL Mortgage with a High LTV

Here are some considerations for high LTV buy–to-let mortgages: 

  • Specialist lenders – some specialist lenders may offer buy-to-let mortgages with higher LTV ratios, catering to borrowers with specific needs or circumstances. These lenders may be more flexible in their lending criteria and may consider factors beyond traditional income and credit checks. Nonetheless, be prepared to provide detailed financial information, including rental income projections and property details, to support your mortgage application 
  • Interest rates and fees – higher LTV mortgages often come with higher interest rates and fees to compensate for the increased risk to the lender. It’s essential to carefully consider the overall cost of borrowing and compare rates, fees, and terms from different lenders 
  • Professional landlord mortgages – some lenders offer specialised buy-to-let mortgage products tailored to professional landlords with larger property portfolios. These products may have more favourable terms and higher LTV ratios for experienced investors with a proven track record of managing rental properties 

If you can raise or have access to additional funds or would like to talk through what’s available in more detail, then please let us know on 023 8235 2300 , and we’ll arrange a suitable time for you to talk to one of our consultants.

Share:

Ask The Mortgage Experts answers are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them. We recommend you seek professional advice with regard to any of these topics where appropriate.

House Edits Faded@2xMask Group 106@2x

Ask your own question

We are here to help with practical answers from the independent mortgage brokers.

Ask your own question

Speak to a mortgage adviser

Fill out the short form below and choose a time that suits you. It’s a no-commitment opportunity for our experts to help you.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
We ask for your telephone number to ensure we can reach you quickly and personally, providing a more tailored and responsive experience for your needs.
+ Add further comments
Acceptance
Read full disclaimer

By submitting this form, you consent to being contacted by John Charcol for the purposes of progressing your mortgage application.

As John Charcol is part of Pivotal Growth Ltd, you can also choose to hear about other products or services offered within the group that we believe may be helpful to you.

You can change your preferences or opt out at any time. For more details, please read our cookie and privacy statement.

Please tick above if you’d like to receive these communications:

  • No obligation conversation

Ask about a second charge mortgage

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
We ask for your telephone number to ensure we can reach you quickly and personally, providing a more tailored and responsive experience for your needs.
Acceptance
Read full disclaimer

1. First Charge - I understand that a first charge mortgage could be a more cost-effective alternative to a second charge and have considered this before proceeding.

2. Existing Mortgage Product - I am currently tied into a mortgage product with an early repayment charge if I choose to leave this deal early and I have investigated the possibility of a further advance from my existing lender.

3. Product Suitability - I understand that second charge mortgages may not be suitable in all situations and that advice will be provided by our second charge partner “The Loan Partnership” to help determine if this is the right solution for me.

4. Data Sharing Consent - I agree that my name and contact information can be shared with a trusted partner firm – The Loan Partnership – to receive personalised advice on second charge options.

5. Understanding of Risk - I understand the risks associated with securing other debts against my home and my home may be repossessed if I do not keep up repayments on a mortgage or any debt secured against it. I am also aware that by consolidating existing borrowing that I may be extending the terms of the debt and increasing the total amount I repay.

Please tick above if you’d like to receive these communications:

*Please note that neither John Charcol Limited nor its Appointed Representatives are providing mortgage advice as part of this enquiry. Second charge mortgage advice will be provided by The Loan Partnership FCA ref 707809. If you need to investigate first charge mortgage options, please contact John Charcol via this contact form.

  • No obligation conversation