We have so far helped many individuals and investors with buy-to-let mortgages and continue to do so every day.

Whether you're looking for a new mortgage or you're remortgaging an existing buy-to-let property, just fill out an online application so we can better understand your needs.

This will allow you to tell us a little more about yourself, your property and your plans for the future. Our experienced mortgage experts will take over from there to provide you with tailored recommendations for a buy-to-let mortgage.

On BTL affordability

Buy-to-let affordability can be a little more complex. In general, lenders require that the rent covers 145% of the monthly repayments and will be looking to see that this can stand a stress test of a 5.5% interest rate.  

Limited company buy-to-let

If you are a company landlord, our team of experienced experts will be able to advise on your application through a limited company for up to 3 properties.

Unfortunately, at present we are not able to assist portfolio landlords (if you are renting out more than 3 properties). 

A heads up from Habito

Please be aware that moving into a property with a BTL mortgage or taking a residential mortgage and letting the property out might land you in serious trouble with the lender.

To avoid this, you will need to make sure you are clear and certain about your future plans so that we can do what we do best to help you achieve your goals. 

Sign up here to start your journey and receive your mortgage recommendation today.

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