Buy to let Mortgages

Whether you're a first-time landlord or expanding your portfolio, buy-to-let (BTL) mortgages allow you to purchase property with the intent to rent it out. At WIS Mortgages, we offer fee-free advice to help you access competitive BTL mortgage deals tailored to your goals.

Get a Free Initial Quote Contact Us

Key Benefits

Rental Income Focused:

Affordability is assessed primarily on potential rental income, not your personal salary.

Wide Range of Lenders:

We access both high-street and specialist lenders to suit different property types and landlord profiles.

Portfolio Options:

Whether it’s your first or tenth property, we can help with individual or portfolio BTL applications.

Flexible Property Use:

Available for residential lets, HMOs, student accommodation, and more.

No Broker Fees:

Our expert mortgage advice is completely free of charge.

Eligibility Criteria and Requirements.

Who Can Apply?

You may be eligible if you:

Are aged 21 or over
Are purchasing a property to let out to tenants
Have a minimum deposit (typically 20%–25%)
Have a satisfactory credit history
Are a UK resident (some lenders accept expats)

What are the Requirements?

Most lenders will require:

A deposit of 20%–25%
Projected rental income that meets a minimum rental coverage ratio (e.g. 125%–145% of mortgage payments)
Proof of income (especially if not relying solely on rental income)
A good credit profile
Some experience as a landlord (not always essential)

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

Apply Now

Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Yes. Some lenders accept new landlords, though you may need a higher deposit or meet stricter criteria.

Lenders usually require rental income to cover 125%–145% of the mortgage payment at a notional interest rate.

No. Buy-to-let mortgages are for properties intended solely for tenants. For personal use, a residential mortgage is required.

Typically 20%–25%, though this may vary depending on the lender, property type, and your circumstances.

Not always. Some lenders allow first-time buyers to apply for a buy-to-let mortgage, but criteria will be stricter.

Yes, this is known as Let-to-Buy. You’ll need permission from your current lender or a remortgage onto a buy-to-let product.

No. You can self-manage or use an agent—but lenders may ask who will manage the tenancy as part of your application.

Yes. Company income is subject to corporation tax, not personal income tax, which may be more tax-efficient for some landlords.

Most lenders require a rental stress test to ensure sufficient income. Falling short could limit borrowing or require a bigger deposit.

Yes. Many landlords remortgage to release equity for additional investments or property improvements.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone