Mortgage for Buy to let Purchase

At St. George Commercial Finance Brokers Ltd., we understand the unique opportunities and challenges that come with property investment. Whether you’re a first-time landlord or expanding your property portfolio, our Buy-to-Let mortgage services are designed to help you secure the right funding for your investment goals.

As an independent broker, we have access to the full mortgage market, including specialist lenders and private banks that offer competitive rates and flexible terms tailored to investors. We take the time to understand your financial situation, rental income expectations, and long-term plans—ensuring you receive a solution that maximizes returns and minimizes risks.

Our Buy-to-Let Mortgage Services Include:

Mortgages for new property purchases
Remortgaging existing buy-to-let properties
Portfolio landlord solutions
Limited company buy-to-let options
Advice on regulatory and tax implications

What is a Buy-to-Let Purchase Mortgage?

A Buy-to-Let Purchase Mortgage is designed for individuals who are buying a property with the intention of renting it out. It differs from a standard residential mortgage because the loan is assessed primarily on the property’s potential rental income.

Who is eligible for a Buy-to-Let mortgage?

Most lenders require you to:

Be at least 21 years old
Own a residential property (in most cases)
Have a good credit history
Earn a minimum personal income (usually £25,000 per year)
Even if you don’t meet all these criteria, specialist lenders we work with may still offer solutions.

How much deposit is needed?

Typically, you’ll need a deposit of 20–40% of the property’s value, depending on the lender and your financial profile.

How is rental income used in the mortgage assessment?

Lenders usually want the rental income to cover 125% to 145% of the mortgage repayments, based on a stress-tested interest rate. This ensures that the property can generate enough income to cover the loan, even if rates rise.

Can I purchase a Buy-to-Let property through a limited company?

Yes. Many investors choose to purchase through a limited company for potential tax benefits. We can help assess whether a personal or corporate purchase is more beneficial for you.

Frequently Asked Questions

Remortgaging

Buy-to-Let Mortgages

First-Time Buyer Mortgages

Commercial Mortgages

Tailored Mortgage Solutions

"Finding the right mortgage for my high-value property seemed overwhelming, but St. George Commercial Finance Brokers Ltd. provided a seamless experience. Their expertise and lender connections secured me an incredible deal!"

Flexible Financing for Complex Income

"As a business owner with multiple income streams, I struggled to find a lender who understood my financial situation. Their team structured a bespoke mortgage that perfectly suited my needs!"

Exclusive Access to Specialist Lenders

"Traditional banks couldn’t offer the mortgage terms I needed, but St. George Commercial Finance Brokers Ltd. connected me with a private lender who provided a flexible, high-value mortgage solution."

Smooth Process & Expert Guidance

"From start to finish, the process was handled with professionalism and efficiency. Their knowledge of high-net-worth mortgages helped me secure my dream home without hassle!"

Need Assistance ?

Whether you need assistance with financing or have a question about our services, our team is here to support you.