Buy-to-Let Mortgages UK

Whether you are a first-time landlord purchasing your first rental property or an experienced portfolio investor looking to expand or remortgage, Soul Mortgages provides specialist buy-to-let mortgage advice tailored to your circumstances.

The UK buy-to-let mortgage market has become significantly more complex in recent years. Tighter lending criteria, changes to landlord tax relief, stricter rental income stress tests, and evolving regulation mean that navigating this market without expert guidance can be costly. We work with a wide panel of lenders, including specialist BTL lenders not available on the high street, to find the most suitable solution for you.

75% LTV
Typical lending
Ltd co & SPV
Or personal name
Portfolios
Single-facility lending
What we arrange
✓BTL purchase & re-mortgage
✓Limited company & SPV buy-to-let
✓Portfolio landlord mortgages
✓HMOs & multi-unit freehold blocks
✓Holiday & short-let mortgages
✓Let-to-buy, expat & non-resident
Rules have tightened and rental stress-testing varies widely between lenders. We place buy-to-let where the numbers actually work, in personal name or through a limited company.

Buy-to-Let Mortgage Eligibility

Most buy-to-let mortgages require a minimum deposit of 25% (75% LTV), though some lenders will consider 20% in certain circumstances. Affordability is primarily assessed on the projected rental income of the property rather than your personal salary, though your personal income may still be taken into account.

Key eligibility factors include:

  • Minimum deposit of 25% in most cases
  • Rental income typically required to cover 125%-145% of the monthly mortgage payment
  • Your personal income, credit history, and existing property portfolio
  • Property type, location, and projected rental yield

For portfolio landlords (those with four or more mortgaged properties), lenders apply additional underwriting requirements under PRA rules, which is where specialist broker advice becomes particularly valuable.

Limited Company & SPV Buy-to-Let

Many investors now hold property through a limited company or Special Purpose Vehicle (SPV) for tax planning and succession reasons. We have access to lenders who lend comfortably to corporate borrowers, including newly incorporated SPVs, and can talk through the practical implications of holding property personally versus through a company.

Let-to-Buy

If you would like to keep your current home as an investment while moving to a new one, let-to-buy lets you release equity from the existing property and raise a residential mortgage on your onward purchase. We coordinate both sides of the transaction so the timing and affordability work together.

Expat & Non-Resident Buy-to-Let

British expatriates and overseas nationals can still build a UK property portfolio with the right lender. We arrange buy-to-let and portfolio finance for clients living and earning abroad, navigating the currency, jurisdiction and identity requirements that high-street lenders are rarely set up to handle.

Why Use Soul Mortgages for Your Buy-to-Let?

Our advisers have extensive experience placing buy-to-let mortgages for clients across a wide range of circumstances, from straightforward single-property purchases to complex multi-property portfolio restructures. We provide:

  • Access to the whole of the BTL mortgage market, including specialist lenders
  • Advice on structuring borrowing across limited companies and personal names
  • Support for HMO, multi-unit freehold block (MUFB), and holiday let mortgages
  • Remortgage advice to release equity or secure a better rate
  • Guidance on how recent tax changes affect your borrowing decisions

We manage the entire process from application to completion, so you can focus on finding the right properties while we handle the finance.

Buy-to-let mortgages are not regulated by the FCA in most circumstances.

“The right structure at the outset, personal or limited company, shapes your tax and your borrowing for years.”

Speak to a buy-to-let mortgage adviser today →

Your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.

Buy-to-Let Mortgages: Your Questions Answered

Straight answers for landlords and property investors.

How much deposit do I need for a buy-to-let?
Typically 25% of the property value, though some lenders accept 20% and others want more for certain property types or portfolio landlords. The rest depends on expected rent, which lenders stress-test. A larger deposit usually opens up better rates.
How do lenders decide how much I can borrow on a buy-to-let?
Mainly on the rent the property is expected to earn, assessed against an interest coverage ratio and a stress-test rate, rather than your salary. Personal income, tax status and whether you borrow personally or through a company also affect it. Most buy-to-let mortgages are not FCA regulated.
Can I hold a buy-to-let in a limited company?
Yes, and many landlords now do for tax planning reasons. There are lenders who specialise in lending to limited-company (SPV) landlords. Whether it suits you depends on your tax position, so take specific tax advice alongside the mortgage advice.