Choosing the right mortgage is essential

Whether you are investing in Buy-to-Let properties for the rental income or for the potential capital appreciation, choosing the right mortgage is essential. Not least because it is fraudulent to either let a property while only paying for a residential mortgage, or to move into a property that you have told the lender you are renting out.

Before applying, use our Buy-to-Let mortgage calculator to estimate how much you can borrow to fund your property purchase.

Buy-to-Let Mortgage Brokers

As an independent mortgage broker with over 40 years’ experience, we are perfectly placed to advise you and find a Buy-to-Let mortgage that matches your property needs. John Charcol has access to the whole of market and is experienced in finding the most suitable mortgage product for less conventional situations. With the recent changes to Buy-to-Let and Let-to-Buy, it’s never been more essential to get the right advice.

Can I still get a Buy-to-Let mortgage if I…

…don’t own a residential property?

…want to rent out the property I own and mortgage a new one?

…am retired or am entering retirement?

…already have mortgages on other properties?

…intend to buy as a Limited Company?

…don’t have a regular earned income?

…plan to build the property myself?

…don’t live in the UK?

Possibly,
YES!

Before contacting us to find a rate, make sure you read our guide on Buy-to-Let mortgages explained.

Buy-to-Let Mortgage Advice

Our table below shows a selection of best Buy-to-Let mortgage rates to give you an indication of cost, but there’s more to mortgages than the headline rate. To make sure you’re looking at mortgages that suit your individual circumstances, call our expert advisers on the number at the bottom of the page and we will advise you.

Tell us what type of mortgage you're looking for?

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We recommend you sort by True Cost Comparison find out more

We recommend you sort by True Cost Comparison

We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 808 mortgage deals that match your search

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Product code 001WIY
Initial rate 1.69% then 5.09% (variable) ?
Monthly repayments £282 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £2,304 ?
Cost comparison £9,659 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £274
Other fees £35
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Dec-2019; then 1.00% of loan amount redeemed to be paid until 31-Dec-2020

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.69% and then on a variable rate, currently 5.09%, for the remaining 22 years and 9 months would require 27 payments of £281.67 and 273 payments of £848.33. The total amount payable would be £241,253 made up of the interest (£238,949) and fees (£2,304 which includes exit fees of £0). The overall cost for comparison is 4.7% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002AXG
Initial rate 1.69% then 5.24% (variable) ?
Monthly repayments £282 ?
Type/Duration Fixed  until 01/11/2020 ?
Scheme fees £1,705 ?
Cost comparison £9,028 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £15
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Nov-2019; then 2.00% of loan amount redeemed to be paid until 30-Nov-2020

Other info

Exit fees £195
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 26 months at 1.69% and then on a variable rate, currently 5.24%, for the remaining 22 years and 10 months would require 26 payments of £281.67 and 274 payments of £873.33. The total amount payable would be £248,321 made up of the interest (£246,616) and fees (£1,705 which includes exit fees of £195). The overall cost for comparison is 4.7% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002EU2
Initial rate 1.75% then 5.19% (variable) ?
Monthly repayments £292 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £2,350 ?
Cost comparison £9,725 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £275
Other fees £30
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 01-Jan-2021

Other info

Exit fees £50
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.75% and then on a variable rate, currently 5.19%, for the remaining 22 years and 9 months would require 27 payments of £291.67 and 273 payments of £865.00. The total amount payable would be £245,870 made up of the interest (£243,520) and fees (£2,350 which includes exit fees of £50). The overall cost for comparison is 5% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

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