Buy to Let Mortgages

Whether you're buying your first rental property or growing a portfolio, explore buy-to-let mortgage options for personal and limited company landlords — with deals compared across a wide panel of specialist lenders.

A buy-to-let (BTL) mortgage is designed for property you intend to rent out rather than live in. Lending is assessed differently from a residential mortgage — mainly on the rental income the property is expected to generate. WIS Mortgages helps landlords find the right deal, whether you borrow personally or through a limited company.

What is a buy-to-let mortgage?

A buy-to-let mortgage lets you purchase or refinance a property to rent out to tenants. Lenders typically assess affordability using the expected rental income (the "rental stress test"), usually require a larger deposit than a residential mortgage, and many BTL mortgages are interest-only. WIS Mortgages compares lenders to match your goals, whether you're a first-time landlord or an experienced investor.

Who we help

First-time landlords

Buying your first rental property and unsure where to start.

Personal (individual) landlords

Borrowing in your own name against rental income.

Limited company / SPV landlords

Holding property through a company structure for tax planning.

Portfolio landlords

Four or more mortgaged BTL properties needing specialist lenders.

Self-employed landlords

Complex or self-employed income assessed properly.

Remortgaging landlords

Switching to a better rate or releasing equity from a rental.

How buy-to-let lending works

Most lenders require a deposit of at least 20–25%, assess the loan against expected rental income, and offer many BTL deals on an interest-only basis. Criteria vary widely between lenders — which is where whole-of-market advice from WIS Mortgages makes the difference.

Explore your buy-to-let options

Limited Company / SPV Mortgages →

Buy-to-let through a limited company or SPV structure.

Self-Employed Mortgages →

Mortgages assessed around self-employed income.

First-Time Landlord Mortgages →

Getting started with your first rental property.

The WIS buy-to-let process

We review your plans, income and property goals.

We compare BTL deals across our specialist lender panel.

We confirm rental and affordability requirements.

We handle the application and paperwork.

We track your case through to completion.

Frequently asked questions

How much deposit do I need for a buy-to-let mortgage?

Most lenders require at least 20–25% deposit for a buy-to-let mortgage, though the exact amount depends on the lender, the property and the expected rental income. WIS Mortgages compares lenders to find the most suitable option for your deposit.

Should I buy a rental property personally or through a limited company?

It depends on your circumstances and tax position. Many landlords use a limited company (SPV) for tax planning, while others borrow personally. WIS Mortgages can arrange both and help you compare — and we recommend speaking to a tax adviser alongside our mortgage advice.

Can I get a buy-to-let mortgage as a first-time landlord?

Yes. Some lenders accept first-time landlords, though criteria are stricter. WIS Mortgages works with lenders who consider first-time landlord applications.

Are buy-to-let mortgages interest-only?

Many are, which keeps monthly payments lower, but repayment options are also available. WIS Mortgages will explain both and recommend what suits your strategy.

Can I remortgage my buy-to-let property?

Yes — WIS Mortgages can help you remortgage a buy-to-let to a better rate or to release equity, subject to lender criteria.

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