Buy to let Mortgages are mortgages used for residential investment property, so whenever a tenant rents a property, its likely that if their landlord has a mortgage on that property, its a buy to let. 

Buy to let mortgages can be used for a wide range of property types and things like HMOs or Multi-Unit Freehold Blocks (more than 1 property sharing the same freehold title) all fall under buy to let. These types of mortgages are usually more specialist and require a broker to point you in the right direction. 

A landlord can handle their buy to let portfolio themselves, but they wont have access to intermediary only lenders and products, which will mean that they likely aren't getting themselves the best deals around. A broker can also save you a lot of time as well as money by knowing which lenders criteria a certain situation fits with.

Feel free to have a play around with our calculator to assess how much a mortgage would cost you and calculate yield and profit per month etc. We recommend in the current climate using some rates between 3.5% and 7% for buy to let, depending how specialist the situation is. 

Please submit an enquiry to speak to someone about buy to let mortgages and current rates and lender fees. We have provided an enquiry form for this.