A buy to let mortgage is set up in the same way as any other mortgage.

With a property you intend to live in, the lender will take into consideration factors including your personal income and expenditure to decide if they are happy to make the mortgage offer 


Because you intend to rent out the property , there is one significant difference, the lender will also consider the amount of rental income to determine the size of the loan available to you.

Whether it’s your first investment property, you’re a portfolio landlord, or leasing your property due to a change in circumstances, we can provide with the right advice to help manage your investment.

Whatever your reason
TMS can help source the best product from our panel of lenders for your needs.

How much can I borrow?

The maximum you can borrow is usually linked to the amount of rental income you might expect to receive. For example, a lender might require the projected rental income to be 30% higher than your mortgage payment.

What type of mortgage can I have?

You can have either a repayment or an interest-only mortgage.

Buying to let? Speak to one of our advisors

The Financial Conduct Authority does not regulate most forms of Buy to Let mortgages. A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.