BUY to Let
Mortgages for Landlords and Property Investors
Whether you’re purchasing your first rental property or growing an established portfolio, the right Buy-to-Let mortgage can make all the difference.
At Blue Sky Mortgages, we provide independent, whole-of-market advice, helping landlords secure a mortgage that supports both their investment strategy and long-term financial goals.
Clear, independent advice for landlords
As independent, whole-of-market advisers, we’re not tied to any bank or lender, which means the Buy-to-Let guidance you receive is completely impartial and focused on securing the most suitable mortgage for your investment plans.
We compare rates, fees, rental stress tests and key product features across a wide range of Buy-to-Let lenders, explaining everything clearly so you understand exactly how each option works and what it means for both your cash flow and long-term portfolio goals.
Our aim is to make the Buy-to-Let process simple, transparent and fully tailored, giving you clarity and confidence whether you’re purchasing your first rental property or expanding an established portfolio.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it, to understand more please click here.
Independent mortgage advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
Our priority is to make Buy-to-Let straightforward, supporting you as you explore your options and select the mortgage that suits your investment goals.
Buy-to-Let Advice Tailored for You
The Buy-to-Let market has specific rules, stress tests and affordability criteria. We simplify everything and guide you through the process with clear, practical advice.
- First-time landlords
- Experienced investors
- Portfolio landlords (4+ properties)
- Limited company Buy-to-Let
- Remortgaging existing rental properties
- Product switches for new rates
- HMOs, multi-unit blocks and specialist cases
Our advisers are available 24/7, in person, online or over the phone.
Buy-to-Let Mortgage Options
We compare the whole market to find a solution that suits your investment strategy.
Fixed-Rate
Gives predictable monthly payments for easier budgeting.
Tracker
Your rate follows the Bank of England base rate, so payments can rise or fall.
Limited Company
Mortgages held through a limited company (SPV) can offer potential tax advantages — we help you compare both routes.
Portfolio
For landlords with multiple properties, some lenders offer combined or streamlined underwriting across your portfolio.
When assessing a Buy-to-Let application, lenders look closely at projected rental income, your credit profile and overall financial position to confirm the investment is sustainable.
What Lenders Look At
Buy-to-Let mortgages work differently from residential mortgages. Lenders typically assess:
Rental Income
Most lenders require the expected monthly rent to cover the mortgage payment by a certain ratio (stress test), often between 125%–145%.
Your Deposit
Buy-to-Let products usually require a larger deposit, often 20–25%.
Your Personal Income
Even though the property must be self-funding, many lenders still require a minimum personal income.
The Property Type
Flats, older buildings, HMOs and holiday lets may have specific lender rules.
We take you through all requirements clearly and ensure you understand what is needed before applying.
If you're exploring Buy-to-Let options, knowing what to expect can make the journey feel simpler and more straightforward.
Step-by-Step Guide to Buy-to-Let
Clarify your investment goals
Decide what you want your Buy-to-Let to achieve – long-term capital growth, regular rental income, or a mix of both. Think about your budget, preferred locations and type of tenant (professionals, families, etc.).
Review your finances
Look at your deposit, savings, existing commitments and personal income. Most Buy-to-Let lenders require a larger deposit (often 20–25%) and will assess both your rental income and your overall affordability.
Speak to an independent adviser
We’ll discuss your plans, explain how Buy-to-Let mortgages work, and give you an idea of what you might be able to borrow. We also talk through different lenders’ criteria, rental stress tests and product types.
Get an Agreement in Principle (AIP)
An AIP gives you an indication of how much a lender may be willing to lend and shows agents and sellers that you’re a serious investor.
Research areas and properties
Start looking at locations with strong rental demand, good transport links and amenities. View suitable properties and consider expected rental income, running costs and any work required before letting.
Make an offer on a property
Once you’ve found the right investment, make a formal offer through the estate agent. When it’s accepted, you can move forward with your full mortgage application.
Submit your Buy-to-Let mortgage application
We’ll help complete the application, gather supporting documents and present your case to the lender. They’ll assess your personal profile and expected rental income to ensure it meets their criteria.
Valuation and underwriting
The lender will arrange a valuation to confirm the property’s value and assess the achievable rent. At the same time, they’ll complete their underwriting checks on your application.
Legal work and tenancy preparation
Your solicitor or conveyancer handles the legal side, including searches and contracts. This is also a good time to plan any works, safety checks, and how you’ll manage the tenancy (personally or via an agent).
Mortgage offer, completion and letting
Once approved, you’ll receive a formal mortgage offer. On completion, the property becomes yours and your Buy-to-Let mortgage starts. You can then advertise the property, agree a tenancy and begin receiving rental income.
Make Informed Decisions with our Simple Calculators
Whole-of-market access to an extensive range of mortgage products.
FAQ
Your Buy-to-Let Questions Answered
A Buy-to-Let mortgage is designed for properties you intend to rent out rather than live in yourself. The lending criteria differ from residential mortgages, and affordability is usually based on the rental income the property is expected to generate.
Most lenders require a larger deposit for Buy-to-Let mortgages—typically 20% to 25%, although some lenders may offer higher loan-to-value options depending on your circumstances.
For Buy-to-Let, lenders usually base affordability on the projected rental income. This is known as the Interest Coverage Ratio (ICR). Your personal income, credit profile and existing commitments may also be considered.
Yes, many lenders accept first-time landlords. However, criteria may be stricter, and you may need a larger deposit or stronger personal income to support the application.
They can be either. Many landlords choose interest-only to keep monthly payments lower and maximise cash flow, but capital repayment options are also available depending on your long-term plans.
Not without permission. You will usually need Consent to Let from your current lender, or you may need to switch to a Buy-to-Let mortgage.
Yes. If you already own rental properties, lenders may consider your existing portfolio’s performance when assessing your application. Portfolio landlords sometimes face additional criteria.
Yes. Rental income is subject to income tax, and different rules apply for mortgage interest relief. Capital Gains Tax may also apply if you sell the property. It’s important to get tax advice from a qualified professional.
Yes. We provide independent Buy-to-Let mortgage advice nationwide, available in person, online or over the phone.