Buy to Let
Buy-to-let mortgages are designed for people who want to rent out a property rather than live in it. They work differently from residential mortgages and usually have higher interest rates, but they can open the door to becoming a landlord.
Getting to grips with buy to let mortgages with KeyFS
If you're thinking about buy-to-let, chances are you’ve already got some experience with home ownership, and for many, it’s an exciting next step. Whether you're planning to rent out a second property, looking at longer-term investment opportunities, or thinking about becoming a full-time landlord, a buy-to-let mortgage could help you get started.
But it’s important to know that buy-to-let works differently from a standard residential mortgage. The rules, the risks, and even how lenders assess your application are not quite the same. That’s why having the right advice early on can make a big difference.
If this is your first ever mortgage, we really recommend talking to one of our advisers before diving in. There may be better first steps for your goals or ways to build up your position to increase your chances of being approved in the future. Either way, we’ll give you honest, straightforward advice to help you
Call today to book a free buy to let consultation 024 7632 2000
How buy-to-let mortgages work
A buy-to-let mortgage is designed for people who want to buy a property as an investment and rent it out to tenants, rather than live in it themselves. Unlike a standard residential mortgage, the amount you can borrow is usually based on the rental income the property is expected to generate, not just your personal income.
Most buy-to-let mortgages are on an interest-only basis, which helps keep monthly payments lower - but you’ll need to repay the loan in full at the end of the term, often by selling the property or using savings.
Deposit requirements tend to be higher (usually at least 25%), and lenders will also look at your experience as a landlord, your credit history, and the type of property you’re buying.
At KeyFS, we’ll guide you through every step - from understanding the rental yield and costs, to finding a lender whose criteria match your plans. Whether you’re buying your first rental or adding to a growing portfolio, we’ll make sure you get the right mortgage for your goals.
Let’s build your property portfolio together
Get in touch today to see what’s possible. We’ll compare the latest deals, explain your options clearly, and guide you from first chat to completion.
Choice of lenders
Paul and his team know exactly which lenders are active in the buy-to-let space and, just as importantly, which ones offer the most competitive terms for your situation. Their insight means you don’t waste time applying where you won’t fit, and you can be confident you’re getting the best deal available.
By matching you with the right lender first time, we help you maximise your return on investment and keep your property plans moving in the right direction.
With Paul’s experience in portfolio management, estate agency, and financial services, he’s the perfect asset to have on your side - combining real market knowledge with the insight to help you make confident, profitable decisions.
Frequently asked questions...
The reason Paul and the team at KeyFS have built an award-winning, five-star reputation is simple - they give clear, balanced advice that’s easy to understand. There’s no hard sell, no jargon, and no pressure.
Just honest guidance from people who genuinely care about helping you make the right choice. Every recommendation is based on what’s best for you and your personal circumstances, so you can move forward with complete confidence. Here are the advanatges and disadvantages of some terms you may be familar with.
Lenders assess them differently. Instead of focusing mainly on your income, they look at how much rent the property is likely to generate — and whether it covers the mortgage by a certain margin.
Rental income isn’t guaranteed, and you’ll still need to pay the mortgage even if the property is empty. That’s why it’s essential to get the right advice and build a plan that works for you long-term.
This means your monthly payments only cover the interest, not the loan itself. You’ll need a clear plan for repaying the full amount at the end of the mortgage term.
Most lenders prefer borrowers who already own a home, either outright or with a mortgage. If this would be your first mortgage, speak to us early, as there may be other steps to take first.
Buy-to-let mortgages typically require at least a 25% deposit, though some lenders may accept less with stricter conditions. A larger deposit can open up better deals and rates.
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Why not start things off by answering these 4 quick questions? We’ll then share some useful insights with you, and when the time feels right you can chat with one of our advisers for more personalised guidance.