Buy-to-Let Mortgages
Buy-to-let mortgages work differently from residential mortgages. Lenders primarily assess affordability based on the expected rental income rather than your personal income, though your earnings are still considered.
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Buy-to-Let Mortgage Advice
Buy-to-let mortgages work differently from residential mortgages. Lenders primarily assess affordability based on the expected rental income rather than your personal income, though your earnings are still considered.
Most BTL lenders require the rental income to cover between 125% and 145% of the mortgage payment at a stressed interest rate. This rental coverage ratio ensures there’s a buffer for void periods and unexpected costs.
At Clearview Mortgage Solutions, our brokers help landlords and investors find the right buy-to-let deal. We’ll explain stress tests, interest coverage ratios, and match you with lenders suited to your situation.
Find out how much you could borrow for a buy-to-let and what rent you’d need to achieve.
Struggling to meet lender rental coverage? We work with specialist BTL lenders who may take a more flexible view. Find out what your payments could be with our helpful buy-to-let calculator.
Read our full guide here
Want more details? Our complete guide explains BTL affordability, stress rates, and how to choose the right product.
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In-depth guides to help you understand every aspect of buy-to-let mortgages. Written by our CeMAP-qualified advisers.
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