Buy-to-Let Mortgages
Rental income, stress tests, and 25% deposits — the numbers that determine what you can borrow.
Why buy-to-let?
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.
Key facts
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UK lenders compared
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our buy-to-let calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Buy-to-Let mortgages
A guide to buy-to-let mortgages
Deposits, rental income requirements, tax implications, and how BTL mortgages differ from residential.
ReadBTL affordability and stress tests
How lenders calculate rental coverage, stress test rates, and what to do if the numbers fall short.
ReadBuy-to-let mortgages for self-employed
Extra documentation needed, how lenders assess your income, and tips for a smoother application.
ReadFirst-time landlord guide
Legal obligations, insurance, tenant management, and common mistakes to avoid as a new landlord.
Read
Frequently asked.
Most BTL lenders require a minimum deposit of 25% of the property’s value, though some specialist lenders accept 20% for experienced landlords. The more deposit you put down, the better the rates available to you.
Talk to a specialist.
buy-to-let mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.