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  • Specialists in buy to let mortgages
  • HMO & let to buy accepted
  • FREE no obligation advice & quotes
  • No credit check

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How to get a Buy to Let mortgage

Thinking of becoming a landlord? Let’s explore what it takes to find a property that will perform well for you, then secure a finance deal that will remain affordable and sustainable.

How the Buy to Let mortgage application process works

Step 1: Decide what – and where – you want to invest in

The type and location of your property will have a huge bearing on how much you can expect to earn from it, and how profitable it will be in the longer term. Before settling on an investment opportunity, you will need to look at what kind of demand there is for rental accommodation in your chosen area, what kinds of tenants are likely to be attracted to your property, and what its potential monthly or yearly yield might be, based on the fees that other landlords are charging.

If you would rather rent out your current property and move elsewhere, it might make more sense to secure a Let to Buy mortgage. You can learn more about Let to Buy mortgages here.

Step 2: Get all the necessary information together

Private Buy to Let mortgage criteria vary from lender to lender – but generally speaking, mortgage providers offering BTL finance will want you to:
  • Be aged between 25 and 75
  • Have a deposit of at least 25% of the purchase price in order to achieve a minimum Loan to Value (LTV) of 75% – although it’s worth putting a little more down if you can, as this will give you access to the best deals
  • Have a good credit history, with little to no evidence of CCJs, IVAs and other financial red flags
  • Prove that you will be able to generate enough income from your Buy to Let property every month to cover your mortgage payments, plus bills and other maintenance costs

Step 3: Let us handle the rest

Our Buy to Let mortgage brokers can help you collect all the information and documentation you need to submit a strong application that has an excellent chance of being approved.

Once we are confident we have everything we need to meet lenders’ requirements, we will scour the entire market to find the mortgage providers that will be likely to accept your case, and the products that will best suit your circumstances. We’ll then apply to these companies on your behalf, saving you the time and hassle of contacting each potential lender directly. What’s more, we’ll manage the entire transaction from enquiry to completion, and will do everything in our power to make sure your Buy to Let mortgage goes through as quickly as possible.

Your team at CLS Money

Our expert Buy to Let mortgage brokers truly are some of the best in the business. Experienced, knowledgeable, and armed with access to hundreds of deals, our advisers are fully equipped to guide you through your BTL mortgage application. They are trained to ensure your experience is as fuss-free as possible, and they will always work with your best interests in mind to ensure you find a Buy to Let scheme that will work for you now and in the future.

Here are just a few more reasons to choose CLS Money:

  • Specialist Buy to Let mortgage advice
  • Over 2,000 5-star reviews from happy customers
  • Free, no-obligation consultations
  • Evening and weekend appointments available
  • Poor credit histories considered
  • Comprehensive support, from enquiry to completion
  • Track your mortgage progress via our App

Access to specialist mortgage lenders

6 reasons to choose CLS Money

  • Mortgages that suit you

    Mortgages that suit you

    No matter your circumstances, we are here to get the right mortgage for you.

  • Appointments at your convenience

    Appointments at your convenience

    We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

  • Free of charge, no obligation advice

    Free of charge, no obligation advice

    Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

  • At your side

    At your side

    We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

  • With you all the way

    With you all the way

    As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

  • Protecting what matters most

    Protecting what matters most

    We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

How it works

3 simple steps to securing a mortgage with CLS Money

  • Enquire

    Complete our quick and easy form to see the available mortgage products that suit you

  • Apply

    We will handle all the necessary paperwork and manage your entire mortgage application

  • Complete

    Start enjoying the benefits of your new mortgage

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