KB Logo
Get Free Consultation

Buy-to-Let Mortgages

Maximise your property income. We source the UK’s best Buy to Let Mortgages for investors.
Book your free consultation now!
Rental property investment visualized for clients seeking tailored Buy-to-Let Mortgages.

Whole of Market Broker

We are proud to have access to over 100 different lenders across the UK, ensuring we match our clients to a lender best suited to their unique circumstances.

… plus many more

What is a Buy-to-Let Mortgage?

A Buy-to-Let (BTL) mortgage is a specialised loan used exclusively for purchasing a property that you intend to rent out to tenants. Unlike a residential mortgage, which focuses primarily on your personal income and credit history, a BTL loan is assessed mainly on the rental income the property is expected to generate. This is the essential financing tool whether you are acquiring your very first investment property or expanding an existing portfolio across the UK.
Book your free consultation now!
Clear, informative image designed to answer the query, What is a Buy-to-Let Mortgage? for potential investors.

What Our Clients Say

Most of our customers come from recommendations by our own existing customers, which is a testament to our level of service, communication and commitment to helping you obtain the right mortgage.

Karl has been amazing throughout the process of starting to look at properties, making offers and completing the applications for my mortgage, solicitors and insurances. Highly recommended – thank you Karl for all your help! :)

Carla Brimelow

My friends recommended Karl, and they were right to as I’m now recommending him to everyone else. Great guy and made things very straightforward for us in the process of buying our first house.

Edvard Calyj

I’ve been using KB Mortgage Solutions for a very long time. Always first class service – efficient and professional – highly recommend.

Hayley Henry

Can’t recommend Karl enough, he initially got me my first mortgage after years of travelling and the banks saying I’ve been off the radar. I’ve used Karl ever since, getting me the best deal at the time and sorting it out. Thanks

Chris Pendleton

Karl knows his stuff and really great at keeping you in the loop. He has made the process very easy and he is effecient.

Jessica

Helped me buy my first house. Very helpful and efficient service. Would recommend to anyone looking to get a mortgage.

Tom Sawyer

Key Requirements for Investment Properties

When assessing a Buy-to-Let application, lenders focus on two main criteria: your deposit size and the property’s rental potential. You will typically need a minimum deposit of 20–25% of the property’s value. More critically, lenders check the Interest Cover Ratio (ICR), which means the rent must cover between 125% to 145% of the mortgage’s interest payments. We help you calculate these metrics accurately and connect you with lenders who are flexible with different investment types, including HMOs and multi-unit freeholds.

Common Questions Around Buy-to-Let Mortgages

What is the Interest Cover Ratio (ICR) and why is it important for my mortgage?

The ICR is a calculation used by lenders to ensure your rental income covers the mortgage interest, with a safety buffer. It typically needs to be 125% to 145% of the payment, and this ratio determines your maximum borrowing amount.

What is the standard deposit needed for a Buy to Let mortgage?

The standard minimum is 25% of the property value. However, investors who can put down 40% or more are often eligible for the best available interest rates across the UK market.

How has the tax relief change affected Buy to Let mortgages?

Landlords can no longer offset all mortgage interest against rental income before tax. Instead, you receive a flat 20% tax credit. We guide both individual and limited company landlords through the financial impact of these rules.

Why Pick Us For Buy-to-Let Mortgages

At KB Mortgage Solutions, we are expert advisors in Buy to Let Mortgages. We offer whole-of-market access, dealing with specialist BTL lenders who understand portfolio landlords and complex property types (HMOs, flats above commercial premises, etc.). Our advice is fully FCA-regulated where applicable and tailored to your investment strategy. We provide clear, honest communication on ICR tests, deposit requirements, and the impact of the latest regulations, ensuring you secure the most competitive rates to maximise your rental yield.

KB Mortgage Solution logo displayed against a black background, with neatly stacked piles of paper on a wooden table, creating a professional and organized financial workspace setting.

Free Consultation

Are you worried about meeting the Interest Cover Ratio (ICR) requirements?
Do you need a specialist mortgage for a complex property type or HMO?
Is your existing portfolio becoming too complex to manage or remortgage?
Are you a new landlord confused by the deposit requirements and tax changes?

For a completely free and confidential discussion, complete this form to send us your details. We’ll get back to you within a few hours to discussion your unique situation and how we might be able to help.

Terms and Conditions