Buy To Let Mortgage | Fee-Free Advice

How Can We Help With Your Buy-to-Let?

We help landlords across the UK find and arrange suitable buy-to-let mortgages, with fee-free, whole-of-market advice from a dedicated mortgage adviser.

Whether you’re buying your first rental property, growing your portfolio or remortgaging, we’ll take the time to understand your plans and circumstances.

We’ll compare suitable buy-to-let mortgages from across the market, explain your options and manage your application, with, no broker fees to pay.

Get Mortgage Advice How We’re Fee-Free

A Buy-to-Let Success Story

“The advice was really good. I have worked with mortgage brokers before who have not been as clear or as helpful as my experience with Boon Brokers. Boon Brokers has met all my expectations and more!”

Harry gave a 5-star rating on Trustpilot and shared his buy-to-let experience with us in more detail.

View Harry's Success Story

Planning Your Buy-to-Let Mortgage

Understanding how buy-to-let mortgages work and what lenders consider can help you prepare for your application. Explore our guides below:

Your Buy-to-Let Guide

Wondering what a buy-to-let mortgage is? This easy guide breaks it down for you, including interest, deposits, repayment and how to become a landlord.

Read the Guide

Explore Your Mortgage Options

Learn about the different types of buy-to-let UK mortgages and the key considerations.

Read the Guide

Are You a First-Time Buyer?

Find out what to consider if you’re a first-time buyer looking to purchase a buy-to-let property.

Read the Guide

Team of expert mortgage brokers and advisers standing together in professional business attire

Finding the Right Buy-to-Let Mortgage

Buy-to-let mortgage rates, features and lender criteria can all vary. That’s why we compare mortgage products across the market to find a suitable mortgage for you.

Your mortgage adviser will compare mortgage products from across the market, considering your circumstances, the property and expected rental income.

We’ll explain the rates, costs and features involved so you can make an informed decision that’s right for you.

Then, if you decide to proceed, we’ll handle the application for you.

Get Mortgage Advice View Our Process

Interest-Only Buy-to-Let

Pay the interest each month, with the original mortgage amount repaid at the end of the term.

Repayment Buy-to-Let

Repay both the mortgage and interest each month, reducing the amount you owe over time.

Limited Company Buy-to-Let

Purchase a rental property through a limited company rather than in your personal name.

Buy-to-Let Remortgage

Replace the mortgage on an existing rental property with a new buy-to-let mortgage.

Get Buy-to-Let Advice

Looking for a Buy-to-Let Mortgage?

Enquire below and one of our fee-free mortgage advisers will be in touch to discuss your options.

How Much Deposit Do I Need for a Buy-to-Let Mortgage?

A minimum deposit for a buy-to-let mortgage is usually 20% of the property price. However, this can change depending on your chosen lender, with specialist lenders sometimes offering unique mortgage deals. To access more competitive interest rates and to help make the investment increasingly financially beneficial, most lenders prefer a 25% deposit or more. Working with a trusted mortgage broker - like Boon Brokers - can help you explore all of your buy-to-let options, matching you with the mortgage that suits your investment goals.

Do I Need a Salary for a Buy-to-Let Mortgage?

Not necessarily. Some lenders have a No Minimum Income policy, meaning applicants with little or no salary may still qualify if the rental income from the property meets the lender’s affordability criteria. Our expert mortgage advisers will search the whole market to find a lender that matches your needs.

Is It Worth Buying a Property to Rent Out?

Yes, buy-to-let properties can be a strong financial investment, providing steady rental income and potential capital growth. The success of your investment depends on property location, rental yield, and market conditions.

What Is the Difference Between a Buy-to-Let and a Residential Mortgage?

Buy-to-let mortgages are typically interest-only, designed to maximise cash flow and profit, with affordability assessed against rental income. On the other hand, residential mortgages are usually repayment-based, with affordability assessed on income, outgoings, credit, and loan term. The calculations and requirements differ significantly between the two types.

How Many Buy-to-Let Mortgages Can I Have?

Most lenders allow a maximum of 10 buy-to-let mortgages per applicant, though some exceptions exist. This limit may vary if mortgages are held through a Limited Company rather than personally.

What Fees Will I Need to Pay for a Buy-to-Let Mortgage?

The total fees you will need to pay for a buy-to-let mortgage will vary depending on a range of factors, including: your chosen lender and mortgage product, valuation fees, legal fees, and product fees. At Boon Brokers, our mortgage advice is completely fee-free, so you won't need to pay a penny for expert guidance and a dedicated guide throughout your mortgage process.