Buy to Let

Invest with a Top Buy to Let Mortgage Broker

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    Find your Perfect Buy to Let Mortgage - 100% Fees-Free

    Unlock the power of buy-to-let investment with the help of our mortgage experts and their fees-free assistance. Whether you’re a first-time investor, an experienced landlord looking to expand your portfolio, or somewhere in between, we promise to find a buy to let mortgage that ticks all your boxes.

    Buy-to-let (BTL) has long been considered a safe investment strategy, offering strong and stable returns on brick-and-mortar assets – particularly where interest rates are low. With UK rental rates expected to continue climbing*, and demand for rental property due to overtake supply, there’s never been a better time to get involved.      

    With this being said, becoming a BTL landlord or purchasing a new rental property can be a tricky process. There are a number of important factors to consider when establishing or adding to your portfolio – including your mortgage. That’s where we come in. The Fees Free Mortgages buy to let mortgage broker team are here to help you get things right – finding and securing the perfect option at no extra cost. Whether you’re new to the market, an ‘accidental’ landlord, the owner of a prolific property portfolio, or somewhere in between, we’ve got your back.

    What is a Buy to Let Mortgage?

    Planning on buying a property as an investment? If so – it’s unlikely you’ll be able to fund your purchase with a normal residential mortgage. Instead, you’ll need to apply for a buy-to-let mortgage.

    In simple terms, a buy to let mortgage is a long-term, high-value loan. They allow first time, ‘accidental’ and most portfolio landlords to purchase residential property with the intent of renting. Most buy to let mortgages are similar to typical residential mortgages, but may be subject to stronger requirements surrounding minimum deposits, property value requirements, and borrowing limits. Plus, in the world of Buy to Let, affordability is generally based on rental income rather than personal.

    Why Choose a

    Buy to Let Mortgage?

    Not Sure Where to Start?

    Need assistance on your Buy to Let mortgage journey? Fees Free Mortgages are here to help.       

    Our experts buy to let mortgage brokers are well-versed in every corner of the commercial and property mortgage field. Whether you’re looking to apply for your first buy to let mortgage, or are a professional landlord seeking advice, our free mortgage advice service could be the key to unlocking your perfect deal. We’re always available to offer independent, fully-tailored mortgage advice on fully transparent terms and at no extra cost – helping you make the best choice for your investment.

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    Why Choose Us?

    Unlike the industry ‘big boys’, Fees Free Mortgages is motivated by clients – not commission. 

    Our experts provide mortgage advice relevant to individual circumstances; no strings attached.  Best of all, our comprehensive services are completely fees free!   

    100% Fees-Free

    Most mortgage firms and brokers charge a fee for advice or arrangements - upfront, or on completion of your application. We’re different. Our team work on an entirely fees-free basis, meaning you’ll never be charged for our services - regardless of your circumstances.

    Real People, Great Service

    We believe that the best brokers provide a personal touch - not outsourced calls and automated responses. With Fees Free Mortgages, you’ll be assigned an in-house mortgage expert dedicated to your case.

    Unbiased Advice

    With thousands of mortgage options available on the market, it’s highly unlikely that you’ll get the best deal from your bank. On the other hand, whole of market brokers without lender ties are able to offer advice across a wide range of deals, accompanied by unbiased mortgage advice.

    Regulated and Accountable

    Selecting a mortgage advisor is a big step in one of the most significant financial decisions of your life - meaning it’s vital to ensure your final choice is trustworthy. Fees Free Mortgages are directly authorised by the FCA and are and fully accountable for the mortgage advice we give.

    Ongoing Contact

    We promise to handle all the hard work from advice to application completion, meaning you can sit back and relax whilst your dedicated broker and case manager scour the market, complete the paperwork, and keep you in the loop. With us, you’ll always be fully informed.

    Nationwide Service

    We believe everyone should have access to free, unbiased mortgage advice and brokerage. That’s why we’re proud to have developed flexible services benefitting clients from Cornwall to Carlisle and beyond. We’ll work to find your perfect mortgage, whether in-person in our flagship office, through one of our UK representatives, or over video call.

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    Can I Afford a Buy to Let Mortgage?

    Ready to purchase a rental property but unsure of how much you’ll be able to afford? Our simple online mortgage calculators are here to give you a general idea of your loan to value ratio, how much you could borrow, and even what your monthly repayments may look like – all in just a few minutes. Whatever your situation, our simple mortgage calculators are here to help you crunch the numbers.

    Don’t Take Our Word For It

    Discover our clients’ mortgage success stories.

    I had so many questions and unknowns about buying my first home but none of them were too silly for Martin to answer. He helped me with finding the mortgage lender that suited me and did all the paperwork upfront, so to make everything run smoothly later on. He advised me with insurance and gave me me guidance and updates every step of the way. For me, Martin made buying my first home an exciting experience, not a stressful one and I would recommend him every time. Thank you.

    Rachael Parnell

    First Time Buyer Mortgage


    Martin Bright has been exceptional throughout a long and convoluted process. After three attempts at securing a house (and three mortgage searches), Martin was patient and professional, always happy to help and always finding a better deal than I thought possible. He explains things clearly and puts forward his thoughts and justifications in a very considered way. I have a 5yr fix at 0.9%. Which beggars belief really! Fantastic outcome, brilliant service and a thoroughly nice chap all round. Wouldn’t hesitate to recommend, and I already have done to a couple of friends looking to secure their own mortgages.

    Alex Prentice

    First Time Buyer Mortgage


    Martin and his team were always quick to respond from mortgage application through to completion. He provided valuable advice and insight throughout, especially during the economic downturn and rapid rises with interest rates, and secured us a great deal with a lightning fast turnaround. Also, Adelle made obtaining Life and Financial Protection insurance super easy – allowing us time to look through the deals she prepared and was always willing to explain complex or unfamiliar terms to us. When we end up moving house in the future – I’m sure I’ll be giving Fees Free Mortgages a call.

    Daniel Percey

    Free Mortgage Advice


    For anyone buying a new home, looking to re-mortgage or interested in setting up life cover – then Martin is absolutely your man. My wife and I have been using Martin for the past 4-years for our mortgages, personal and business life cover, and I would never go else where. Martin offers a very personal and professional service, he is extremely knowledgeable, honest and consistent, and is always looking for the best option for his client. I would highly recommend, great guy.

    Michael John Vingerhoets

    Self Employed Mortgage



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    Property and Mortgage News

    Our team of industry-leading advisors are ready to assist in sourcing and securing the best possible buy to let mortgage for your circumstances. For expert fees-free mortgage advice, or to discuss any of our services, please contact us using the contact form below, or visit us in our flagship branch, or reach out to your local advisor.

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    This depends on your personal circumstances, but there is a range of factors to consider when entering the buy-to-let market. This also depends on what type of investment you are looking to make, and what you are looking to achieve from your investment. Let’s look at some advantages and disadvantages:

    The obvious advantages of buy-to-let include the fact that you can earn rental income from properties. In some locations towards the north, your rental yield can reach up to 8%. Additionally, you could experience capital growth as both your investment and the property value increase. Finally, there is a range of insurance options available to protect you against loss of rental income when a property is vacant, and from damage and legal costs.

    On the other hand, you’ll likely have a significantly higher tax bill, and have to allow for insurance, natural wear and tear, and stamp duty into your expenses. Furthermore, if you don’t have the correct insurance, then vacant spells and damage to your property won’t be covered. Another thing to consider is that if the value of the property falls, your capital will also decrease. With an interest-only BTL mortgage, you’ll have to make up the difference if the property is sold for less than what you bought it for.

    Remember that being a landlord is a big responsibility too! You’ll also have to keep your knowledge up to date on laws, regulations, and your obligations to your tenants.

    Not all buy-to-let mortgages are interest only, though many are, and many landlords will opt for an interest-only BTL mortgage. This is because this mortgage format allows them to pay only interest on the mortgage each month – making monthly payments lower, and increasing rental profits. The balance owed, or ‘principle’ remains constant throughout the term and must be paid off in full at its conclusion.

    By taking advantage of the greater surplus from monthly rental income interest-only mortgages tend to allow, landlords can improve profit margins and can put aside more for unexpected property costs, invest in improvements, or save more to invest in new property.

    The answer to this is highly variable. It largely depends on the lender(s) that you are seeking buy-to-let mortgages from – with some lenders limiting the number of buy-to-let mortgages you have with them, and others limiting the number of buy-to-let mortgages you have at any one time with other lenders.

    Some lenders have what is termed an ‘exposure limit’ capping the number of buy-to-let mortgages you may have with them at any given time (for example, to four or five), or can limit the total value of your buy-to-let mortgages collectively to a set figure (£5 million, for example), or a combination of both.

    Whilst landlords are generally entitled to £1000 of tax-free income per year, the vast majority of rental income is taxable, and must be declared as part of your self-assessment tax return, whilst those earning specifically between £1000 and £2500 must contact HMRC. Upon filing, income tax for landlords earning above the £1000 threshold will be charged in accordance with income tax banding if applicable. This banding is as follows; 

    Basic rate – 20%

    Higher rate – 40%

    Additional rate – 45%

    We always recommend speaking to a qualified accountant for advice specific to your situation.

    Buy-to-let mortgage lenders generally require a higher deposit than that seen in typical residential agreements. Though this usually sits at around 20 to 30% of the property’s value, it’s not uncommon for buy-to-let lenders to require a deposit of up to 40%. These large deposits provide assurance to the lender in the instance of tenant rental default or periods of vacancy.  

    If you find these high deposit rates daunting, you may wish to seek assistance from a reputable mortgage broker, like Fees Free Mortgages. As a result of our extensive industry knowledge and network, we’re able to source the most secure, suitable, and cheapest deals for our clients.

    Buy-to-let mortgages are generally available on both an interest-only, and capital repayment basis. 

    Interest-only mortgages, a common choice amongst investors, particularly in the buy-to-let market, allows property owners to pay only the outstanding interest on their loan, meaning the borrowed balance is not due until the end of the specified period or term. This method significantly reduced monthly outgoings for landlords and generally allows for the maximisation of rental profits.

    Capital repayment, on the other hand, requires the borrower to repay both capital and interest. Since there are marked pros and cons to each of these repayment options within the context of buy to let properties – it’s highly advisable to discuss these with a mortgage broker experienced in the BTL sector.

    Buy-to-let (BTL)  is a common process by which landlords or investors purchase a property with the sole intent of letting it for a profit. Though buy-to-let properties are primarily placed within the residential sector, the term also covers investment properties such as student accommodation. Those investing in buy-to-let properties effectively become landlords. Though investors may purchase buy-to-let properties with cash, a common method for securing an investment flat, home, or commercial property is through a buy-to-let mortgage. 

    When reviewing a buy-to-let mortgage application, lenders will take into account traditional factors such as income and expenditure, whilst noting the potential rental price of the property.

    The phrase buying ‘off-plan’ refers to the process of purchasing a property based entirely, or near entirely on specifications, prior to building completion. This complicates the mortgage application and approval process slightly, because delays, setbacks, and the building process as a whole may lead to the need for extensions, renewed offers, and re-evaluation. This lengthy process often results in repeat fees – something we don’t believe in. 

    The team at Fees Free Mortgages are highly experienced in finding the best possible mortgages for off-plan purchases and know the application and re-evaluation processes inside-out. If you’re looking to buy off-plan for your buy-to-let property, contact one of our friendly advisors today – we’ll be happy to help you.

    Yes. In short, you’ll need to pay Stamp Duty Land Tax on a Buy To Let property if it’s your second property and not your main residence. The amount you’ll have to pay depends on the purchase price. See details below:

    Less than £125,000 – 3%

    £125,001 – £250,000 – 5%

    £250,001 – £925,000 – 8%

    £925,001 – £1.5 million – 13%

    £1.5 million and above – 15%

    Information correct as of April 2017 –