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.
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How to Buy to Let
A buy to let is a property you purchase to let out to tenants.
Here you can discover how to buy to let in 4 easy steps:
- Step 1: Learn How Buy to Let Works
- Step 2: Calculate How Much You Borrow on a Buy to Let
- Step 3: Compare Buy to Let Mortgage Rates
- Step 4: Consider Buy to Let Tax
Each section below covers one of the 4 main steps and includes an assortment of relevant information, resources and buy to let advice for landlords.
Step 1: 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.
How to Become a Landlord
Want to become a buy to let landlord? We go through everything: rental yield, capitalisation rate, your obligations and your rights. You’ll even find some top tips to get you started.
Rental Yield Calculator
Here you can use our rental yield calculator to work out the rental yield on a buy to let property. You’ll also find information on what a rental yield is and why it’s important.
Can I Change My Residential Mortgage to Buy to Let?
Want to move to a new house and switch the mortgage on your current home to buy to let? See what our experts say.
Can I Buy a House and Rent It to Family?
"Can I rent my house to a family member? And would this affect my mortgage?" - See what our mortgage experts have to say about letting to family.
Step 2: 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 Rent Calculator
Not sure how much you need in rental income for a BTL mortgage? Use our free BTL rent calculator to work out how much you need in rent to afford a mortgage.
Buy to Let Mortgage Deposit Guide
Find out how much you need for a buy to let mortgage deposit. We also explain how buy to let mortgages work, how much you can borrow and more.
Mortgage Deposit Calculator
Work out how much you need to save each month with our mortgage deposit calculator. Here you’ll also find information on how deposits work, amounts needed and more.
Loan to Value Calculator
Try our LTV (loan to value) calculator that you can use to work out the LTV on your mortgage. You’ll also discover information on how your LTV impacts your mortgage repayments.
Step 3: 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.
Buy to Let Mortgage Eligibility Criteria
What buy to let mortgage eligibility criteria do you need to meet? Find out here. We go through rental income stress tests, deposit requirements, how borrowing is calculated and more.
Portfolio Landlord Mortgage
Looking to expand your portfolio or remortgage your buy to let properties? Here you’ll find information on portfolio mortgages and how they work, what it means to be a portfolio landlord, the properties we can help with and our FAQs.
Buy to Let Limited Company
Unsure whether a buy to let limited company is right for you? Find out here: we explain the differences when you own a buy to let through a limited company, the pros and cons, how to set up a limited company and more.
LTD Company Buy to Let Mortgage
Compare the best limited company buy to let mortgage rates on the market with our best buys tool. You'll also find information on the mortgage process, eligibility criteria, potential tax benefits and our FAQs.
Want a Buy to Let Mortgage on an Existing Property?
Buy to Let Remortgage
Let to Buy Mortgage
How to Remortgage a Buy to Let
Learn how to remortgage a buy to let property in our guide. We answer all your questions, from releasing equity to switching to a residential mortgage.
Buy to Let Remortgage
So your buy to let deal is near its expiration date and it’s time to remortgage. Here you can compare the best buy to let remortgage rates on the market.
Can I Rent My Home So I Can Buy Another Property?
Want to rent out your current home and release equity at the same time to buy a new main residence? Learn about let to buy from our experts.
Let to Buy Mortgage
On this page you’ll find everything you need to know about let to buy and let to buy mortgages. We’ll walk you through how it all works, the process you go through and more.
Step 4: 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.
Tax on Rental Income
Here you’ll learn about paying tax on rental income: including the rates, how to work out what you’ll pay, expenses and tax relief, tax credits more.
Buy to Let Stamp Duty Calculator
Find out how much Stamp Duty you’ll pay on your property with our free and easy Stamp Duty calculator for buy to lets and second homes.
Capital Gains Tax Guide
Learn all about Capital Gains Tax on UK property: what it is, when you pay it, CGT rates and how to work out how much CGT you’ll pay when selling a BTL.
Capital Gains Tax Calculator
Use our easy Capital Gains Tax Calculator to work out how much Capital Gains Tax you’ll pay when you sell a buy to let property or second home.