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Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

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Buy To Let

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Back | Your Mortgage Position

Your Mortgage Position

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Back|Bad Credit

Bad Credit Mortgages

Mortgage for Applicants with Bad Credit

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Buy to Let Mortgage With Bad Credit

Finding a Mortgage with Poor Credit

Mortgage Interest Rates with Bad Credit

Mortgage After Repossession

Getting a Mortgage After Payday Loans

Avoiding Repossession

Subprime Mortgages

Mortgage with a CCJ

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Adverse Credit Mortgage Online

Self-Employed Mortgage with Bad Credit

Shared Ownership Mortgage with Adverse Credit

Right to Buy as a Bad Credit Applicant

Commercial Mortgages for Bad Credit Borrowers

Deposit Requirements for Bad Credit Mortgages

Finding a Mortgage Offer After Rental Arrears

How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

How to Qualify for a Mortgage with Zero Credit Score

Joint Mortgage Applicant Has Bad Credit

Are There Mortgage Options After a Debt Management Plan?

Are There Mortgage Options After a Debt Relief Order?

Back|Bridging

Bridging Finances

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Bridging Loan at 100% Loan to Value?

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Fast Bridging Finance

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Finding Regional UK Bridging Loans

Financing an Auction Property Purchase

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Long & Short Term Bridging Finance

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UK Bridge to Let Mortgage Borrowing

Using Bridging Finance for Development Projects

Back|Buy to Let

Buy to lets

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Stamp Duty for Buy to Let

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Buy To Let Mortgages For New Builds

Buy to Let Mortgages Guide for Investors

Buy To Let Mortgage With Poor Credit

Let to Buy

BTL UK Portfolio Mortgages

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Property Refurbishment Finance

Best Buy to Let Mortgages: 75% LTV

Buy to let 80% LTV Mortgages

Buy to Let Remortgage

Securing BTL Mortgage Quotes & BTL Agreement

Buy to Let Mortgages for First Time Buyers

Buy To Let Mortgages For Retiree Landlords

Back|Development Finance

Development Finance

Development Finance Explained

Guide to Construction Finance

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Development Finance for Residential Properties

Finance a Property Development with No Deposit

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Development Finance ROI

Checklist of Considerations before you Develop Your First Propertyce

Development Finance FAQs

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Back|Self Employed

Self Employed Mortgages

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BTL Mortgage If You Are Self Employed

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Back|Mortgage for Professionals

Mortgages for UK Professionals

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Back|Lifetime Mortgages

Lifetime Mortgages

Equity Release With & Without Mortgage

Equity Release with a Mortgage

Interest-Only Equity Release Mortgages

Home Reversion in Equity Release Financing

Analysing Equity Release Product Safety

Equity Release as a Retirement Strategy

Repaying an Equity Release Mortgage Early

Back|Expat Mortgage

Expat Mortgages for UK Nationals

Expat Remortgages for UK Nationals

Finding a UK Mortgage Broker as an Expat

Buy To Let Mortgages for UK Expats

Mortgage Calculator Guide for Expats

Back|Interest Only

Interest Only Mortgages

Switching Your Mortgage to Interest-Only

Part Repayment & Interest-Only Mortgages

Repayment vs Interest-Only Mortgages

Interest-Only Mortgage for First-Time Buyers

Secured Interest-Only Home Loans

Interest-Only Retirement Mortgages

Interest-Only Lifetime Mortgages

Repayment Vehicles for Interest Only Mortgages

Back|Mortgage Affordability

Mortgage on 5.5 x Salary

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Requirements for a £350,000 Mortgage

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Affordability Check for a Mortgage Application

How Do Mortgage Affordability Checks Work?

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Mortgages for Individuals

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Joint Applicant, Sole Proprietor Mortgages

Single Parent Mortgage

Joint Mortgage Applications

Rejected Mortgage Application

Back|Income Types

Mortgage with Non-Mainstream Income

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Mortgage Options for Gambling Income

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Back|Residential Mortgages

Residential Finance

Moving Home

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Mortgages at 95% Loan to Value

Back|Commercial Mortgages

Commercial Property Finances

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Business Through Mortgage Lending

Deposits on Commercial Mortgages

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Affordability Criteria in Commercial Mortgages

Pros & Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Asset Finance & Working Capital

Unsecured Business Loans

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Hire Purchase

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Back|Property Types

Mortgage Rates on New Constructions

Timber Framed House Mortgages

Home with Identified Asbestos

Mortgage on a Maisonette

Property with a Deed of Covenant

Mortgages on Non-Standard Developments

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Eco-Friendly Home Mortgages

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Studio Flat Mortgage

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Mortgage Survey Undervalues Your Property

Properties in Flood Risk Areas

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Mortgaging a Cottage Property

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Repossession Property Purchase

Planning Permission for British Properties

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Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

Deposit Requirements

First Time Buyer Guarantor Mortgages

Applying for a First-Time Buyer Mortgage

Finding a First Time Buyer Mortgage With a 5% Deposit

First-Time Buyer Stamp Duty and Mortgage Costs

Back|Offset Mortgages

UK Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

How To Find the Lowest Fixed Rates on Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages Brokers

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Consumer Buy To Let Mortgages

A consumer buy to let mortgage is for applicants who are either looking to start a rental portfolio or build up their existing one.

Let’s Get Started Ask a question

Discover What Our Customers

Have to Say!

Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Consumer Buy to Let Mortgages Explained

How much deposit will I need for my Consumer BTL Buy to Let Mortgage?

For a Consumer Buy To Let Mortgage, you will generally need a 25% deposit a deposit at this rate will give you a loan to value (LTV) of 75% thus opening up most lenders to you subject to income. If you would like to put down a smaller deposit on a consumer buy to let mortgage you will be less likely to obtain a mortgage or be saddled with subprime lenders who generally have much higher interest rates. In terms of the deposit being put down it is like residential mortgages the larger the deposit that you can afford, the better the interest rate will be applicable to you.

How is borrowing worked out for Consumer Buy To Let Mortgages?

With consumer buy to let mortgages it is worth noting that lenders view buy to let mortgages as self-financing properties. Thus lenders work out how much they are willing to lend by making sure the rental income is 125% of the monthly mortgage payment, for example, if your mortgage payment is £1000 per month the consumer buy to let mortgage lender will be expecting you to receive a minimum of £1250 per month.

It is also worth noting that while most lenders do view consumer buy to let mortgages as self-financing there is usually a minimum income requirement of £25,000 however there are a small amount of lenders that do allow no minimum income requirement.

Whatever your consumer buy to let mortgage requirements or personal circumstances, we are here to help make this process as simple as possible in order for you to obtain your BTL property. We can provide you with the best mortgage deals and expert mortgage advice in order to make this process as straightforward as possible.

Already Interested, Let’s Get Started!

The following

topics are

covered below

Are deals different for First Time Landlord Buy To Let Mortgages than that to Residential Mortgages?

Can I Remortgage my Consumer Buy to Let Mortgage?

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Why Revolution Brokers?

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On time customer support

Are deals different for First Time Landlord Buy To Let Mortgages than that to Residential Mortgages?

Deals for First Time Landlord Buy To Let Mortgages can vary from the residential mortgages you may have.

Fixed Rate Consumer Buy to Let Mortgage Deals

Where the consumer buy to let mortgage lender will fix an interest rate for a certain amount of time such as 2 years, the fixed rate deals are the most popular as they give you ‘peace of mind’ for the length that your mortgage payments have been fixed for as you know your mortgage payments will not change for that period of time. After your fixed period ends you will be placed on the lender’s Standard Variable Rate (SVR) which is usually a higher interest rate.

Consumer Buy to Let Mortgage Tracker Products

Tracker deals are some of the lowest rates available. This rate tracks the Bank of England (BoE) base rate which now is at an all-time low of 0.25% plus a percentage which is set by the lender that you decide to use. An example of a tracker rate would be the BoE base rate of 0.25% plus another 3% giving you a rate of 3.25%.

There are also other variable rates available such as discounted or capped mortgages which give either give a discount on the standard variable rate or cap the standard variable rate at a certain amount. These rates again are only for a certain length of time and then you will be reverted back to the lenders Standard Variable rate.

With all these rates you should be aware that consumer buy to let mortgages will have higher interest rates than residential mortgages.

Can I Remortgage my Consumer Buy to Let Mortgage?

There are a number of reasons to remortgage your First Time Landlord BTL mortgage as you may be languishing on the lender’s standard variable rate thus by remortgaging you will most likely obtain a better rate and your monthly payment will go down. You may also want to release funds from your Consumer Buy To Let property and a re-mortgage will aid you in that process. You may also want to move to another lender which has certain attributes that your current lender does not have such as making overpayments on your mortgage.

There are many BTL mortgage deals out there on the market, and here at mortgage brokers, we will aim to ensure that you get the best deal possible for your certain needs and we will endeavour to make the process as simple as possible for you to find the right mortgage.

Almas Uddin

Founder and Mortgage Advisor

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As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Consumer Buy To Let Mortgages

Discover What Our Customers

Consumer Buy to Let Mortgages Explained

How much deposit will I need for my Consumer BTL Buy to Let Mortgage?

How is borrowing worked out for Consumer Buy To Let Mortgages?

Are deals different for First Time Landlord Buy To Let Mortgages than that to Residential Mortgages?

Can I Remortgage my Consumer Buy to Let Mortgage?

Whole of market brokers

Mortgage that suits you

On time customer support

Are deals different for First Time Landlord Buy To Let Mortgages than that to Residential Mortgages?

Can I Remortgage my Consumer Buy to Let Mortgage?

Further Reading

Moving Home

Consumer Buy To Let Mortgages

Specialist Mortgages

Tier 2 Visas Mortgages

Offset Mortgages

Self-Build Mortgages

Shared Ownership Mortgages

Help to Buy Mortgage

Over 50’s Mortgages

Contractor Mortgages

Guarantor Mortgages

Mortgages at 95% Loan to Value

Regional First-Time Buyer Mortgages

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