Buy to Let Mortgages in London
Looking for competitive buy to let mortgages in London? Masari Finance is an FCA-regulated mortgage broker helping landlords and property investors across London and the surrounding areas find the right buy to let mortgage from over 170 lenders including specialist buy to let providers not available directly to the public.
Whether you’re purchasing your first investment property or expanding an existing property portfolio, our expert mortgage advisors take the time to understand your financial circumstances, rental income requirements and long-term investment goals then search the whole market to find a buy to let mortgage solution genuinely tailored to you.
What Is a Buy-to-Let Mortgage?
A buy-to-let mortgage is designed for people who want to purchase a property to rent out rather than live in themselves. Unlike a residential mortgage, a buy-to-let mortgage is assessed differently by lenders. They typically consider the property’s expected rental income, alongside your financial circumstances, and usually require a larger deposit. Whether you’re a first-time landlord or an experienced property investor, choosing the right buy-to-let mortgage can help maximise the potential of your investment.
Who Can Get a Buy-to-Let Mortgage?
Buy-to-let mortgages are available to a wide range of landlords and property investors. The mortgage options available, as well as the eligibility criteria, will depend on your financial circumstances, deposit, rental income, and the lender’s requirements.
You may be eligible for a buy-to-let mortgage if you are:
Most lenders typically require a minimum deposit of 20–25% and will assess the property’s expected rental income alongside your income, credit history, and overall financial circumstances before making a lending decision.
How Our Buy-to-Let Mortgage Service Works
We start with a free buy-to-let mortgage consultation to understand your investment goals, review your financial circumstances, and assess your eligibility. Whether you’re purchasing your first rental property or expanding an existing portfolio, we’ll provide tailored advice based on your plans.
Free Buy-to-Let Consultation
We discuss your investment goals, review your financial circumstances, and assess your eligibility whether you’re a first-time landlord or growing a portfolio.
We Compare the Market
Our experienced mortgage advisors compare buy-to-let mortgage products from specialist and mainstream lenders to help identify competitive mortgage rates and suitable lending options for your circumstances.
We Handle the Process
Once you’ve chosen a mortgage option, we manage the application process from start to finish. We handle the paperwork, liaise with lenders, and keep you updated throughout, making the process as smooth and straightforward as possible.
Ready to Find Your Perfect Mortgage?
Get expert mortgage advice from experienced mortgage advisors online or by phone. We’ll compare mortgage deals from a wide range of lenders and help you find the right mortgage for your needs.
Speak to One of Our Expert Mortgage Advisors Today :
F.A.Q.
Frequently Asked Questions
Can I Get a Buy-to-Let Mortgage as a First-Time Buyer?
Yes, it’s possible, although your options may be more limited. Many lenders prefer applicants who already own their own home, but some specialist lenders will consider first-time buyers looking to purchase an investment property. Eligibility will depend on factors such as your deposit, income, credit history, and overall financial circumstances. Our experienced mortgage advisors can assess your situation and help you explore the buy-to-let mortgage options available to you.
How Much Deposit Do I Need for a Buy-to-Let Mortgage?
Most buy-to-let mortgage lenders require a minimum deposit of 20% to 25% of the property’s purchase price, although the exact amount will depend on the lender and your individual circumstances. In many cases, a larger deposit can give you access to a wider choice of mortgage products and more competitive buy-to-let mortgage rates. Our mortgage advisors can help you understand your options and find a mortgage that suits your investment goals.
Do I need rental income to qualify for a buy-to-let mortgage?
Yes. Most buy-to-let mortgage lenders require the expected rental income to cover a percentage of the monthly mortgage repayments, typically between 125% and 145%. The exact requirement will vary depending on the lender, your tax status, and your individual circumstances. During your free consultation, our mortgage advisors will assess the property’s projected rental income and help you understand which buy-to-let mortgage options may be available to you.
Should I Buy a Buy-to-Let Property Through a Limited Company?
The right option will depend on your personal tax position, investment goals, and long-term property plans. Both limited company and individual buy-to-let mortgages have different lending criteria, mortgage products, and tax considerations. Before making a decision, it’s important to seek advice from both a qualified mortgage advisor and a professional tax adviser or accountant. Our mortgage advisors can explain the mortgage options available and help you choose a solution that aligns with your investment objectives.
Can I Get a Buy-to-Let Mortgage with Bad Credit?
Yes, it may still be possible to get a buy-to-let mortgage if you have a poor or adverse credit history. The options available will depend on factors such as the type and age of your credit issues, your deposit, income, and overall financial circumstances. Some specialist lenders are willing to consider applicants with previous credit problems, although interest rates and lending criteria may differ. Our experienced mortgage advisors can assess your situation and help you explore the buy-to-let mortgage options that may be available to you.
What’s the difference between a buy to let mortgage and a residential mortgage?
Buy to let mortgages are assessed primarily on rental income rather than personal salary, typically require a larger deposit, and often come with different interest rates and fees compared to residential mortgages.