Buy To Let Mortgages
What is a Buy-to-Let (BTL) Mortgage?
A Buy-to-Let mortgage is a one that is specifically designed people who use the property as an investment, rather than as a place to live.
There are two basic types:
- Consumer Buy-to-Let (BTL) mortgages, are any Buy-to-Let contracts that are not entered into by an individual ‘wholly or predominantly’ for the purpose of a business. These are only suitable for people who have become a landlord by default as opposed to making an active business decision, for example, where a property has been inherited or has been previously lived in and the individual is unable to sell it, so resorting to a Buy-to-Let arrangement.
- Business Buy-to-Let (BTL) mortgages, are for landlords who buy property specifically to rent out. They are usually more expensive than residential mortgages, but they could help you become a property investor. Buy-to-Let mortgages are only suitable for people who want to invest in houses and flats.
Find out more in our Buy-to-Let Mortgage Guide's

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Independent Mortgage Advice
Being Independent means we are able to make recommendations after we have assessed your needs, based on a comprehensive and fair analysis of the relevant market. Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans or bridging loans.