BUY TO LET

Looking to invest in
property? Let’s find the
right buy to let mortgage.

Whether you’re buying your first investment property, expanding your
portfolio or remortgaging an existing buy to let, we’ll help you compare
specialist lenders and find a mortgage solution that supports your long-term
investment goals.

✔ Access to specialist & high street Buy to Let lenders
✔ Individual, Limited Company & Portfolio Solutions
✔ Free Consultation

Book Your Free Consultation

Buy to Let Essentials

🔑 First-Time Landlords

Buying your first investment property? We’ll explain how Buy to Let mortgages work and help you understand the options available.

🏢 Limited Company Buy to Let

Many landlords now purchase through limited companies. We’ll explain the mortgage options available and work alongside your accountant where appropriate.

📈 Rental Affordability

Unlike residential mortgages, Buy to Let lenders assess both your personal circumstances and the expected rental income from the property.

🏠 Portfolio Landlords

Whether you own one rental property or several, we’ll help you compare lenders and structure your borrowing around your investment goals.

We’ll happily work alongside your accountant or tax adviser to ensure your mortgage arrangements complement your wider property investment strategy

Why Choose Liberty Money?

Every landlord has different investment goals.

Whether you’re buying your first rental property, expanding your portfolio or refinancing an existing investment, we’ll take the time to understand your objectives and recommend lenders that best suit your circumstances.

We’ll compare mortgages from across the market, explain the costs involved and support you throughout the application process.

Independent mortgage advice

Clear comparison of your options

Support from review to completion

Advice tailored to your plans

Costs to Consider When Purchasing a Buy to Let Property

Buy to Let mortgages involve many of the same costs as residential mortgages, together with some additional considerations for landlords. We’ll explain everything clearly before you proceed.

Mortgage Product Fees

Some Buy to Let products include arrangement fees, while others are fee-free. We’ll compare the overall cost, not just the interest rate.

Property Valuation

our lender will arrange a valuation to confirm the property’s suitability as security and assess its rental value where required.

Legal Fees

A solicitor or conveyancer will carry out the legal work involved in purchasing or remortgaging your investment property.

Adviser Fees

We’ll explain our fees clearly before you proceed, so you’ll always know exactly what to expect.

Stamp Duty

Additional Stamp Duty Land Tax (SDLT) may apply when purchasing an investment property. We’ll explain what to budget for, although your solicitor will confirm the amount payable.

Landlord Costs

Owning a rental property may involve ongoing costs such as landlord insurance, maintenance, safety certificates and letting agent fees. We’ll help you understand the bigger picture.

Frequently Asked Questions

A Buy to Let mortgage is designed for people purchasing or remortgaging a property that will be rented to tenants rather than lived in by the owner.

Yes. Many lenders accept first-time landlords, although criteria vary between lenders. We’ll explain the options available.

Most Buy to Let lenders require a deposit of at least 20–25%, although this varies depending on the lender and the property.

Unlike residential mortgages, Buy to Let lenders primarily assess the expected rental income alongside your personal circumstances and lending criteria.

Yes. Many landlords choose to purchase through a limited company. We’ll explain the mortgage options available, although you should seek independent tax advice before deciding which ownership structure is right for you.

Liberty Money does not provide tax advice. We recommend speaking to a suitably qualified accountant or tax adviser before deciding how to purchase an investment property.

Yes. Whether you’re looking to reduce your monthly payments, raise capital or switch lenders, we’ll compare the available options.

No. Buy to Let mortgages are intended for properties that are rented to tenants. If your circumstances change, speak to us before moving into the property.

Holiday Let mortgages are designed for short-term holiday accommodation, whereas Buy to Let mortgages are intended for longer-term residential tenants under an Assured Shorthold Tenancy (AST).

A Consumer Buy to Let mortgage is typically suitable where you’ve become a landlord unintentionally, such as letting a previous home rather than purchasing specifically as an investment.

Buy to Let lending criteria vary significantly between lenders. We’ll compare a wide range of mortgage options and recommend those best suited to your investment plans.

Ready to Find the Right Buy to Let Mortgage?

Whether you’re becoming a landlord for the first time or expanding an existing portfolio, we’ll compare Buy to Let mortgages and help you find the right solution for your investment goals.