Buy-to-let
The Mortgage Exchange helps landlords explore buy-to-let mortgage options across the UK, whether buying a rental property or reviewing existing borrowing.
What lenders consider
Lenders commonly assess expected rental income, deposit, property type and your circumstances. Portfolio landlords and company applicants may face different criteria.
Plan beyond the monthly payment
Allow for maintenance, periods without tenants, insurance and other ownership costs. Tax and legal advice should come from appropriately qualified professionals. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.
Mortgage availability and suitability depend on your individual circumstances. An initial consultation is no obligation; any applicable charges should be explained before you proceed.
Explore all our services
Debt consolidation
Friendly specialist debt consolidation mortgage advice across the UK. Compare remortgages, second charges, alternatives and total borrowing costs.
Explore debt consolidation 02Raising funds
Explore raising funds from your home with specialist advice across the UK. Compare remortgaging to release equity, second charges and further advances.
Explore raising funds 03Second charge mortgages
Explore borrowing against your home while keeping your existing first mortgage in place.
Explore second charge mortgages 04Remortgages
Review your current deal and explore mortgage options that suit your plans today.
Explore remortgages 05First-time buyers
Understand your deposit, budget and mortgage options before taking the first step towards your own home.
Explore first-time buyers 06Buy-to-let
Mortgage guidance for your first rental property or the next addition to your portfolio.
Explore buy-to-let 07Bridging loans
Friendly specialist bridging loan advice across the UK. Compare short-term secured borrowing for auction purchases, chain breaks and property projects, with costs and risks explained.
Explore bridging loans 08Protection and wills
Explore life cover, income protection and planning for the people who matter most.
Explore protection and willsYour next step starts here
Start your 30-second application for specialist help with consolidating debts, raising funds or your next mortgage — including if you have an adverse credit history. Prefer to look at the figures first? Try the mortgage calculator.