Buy to Let
Buy-to-Let Mortgage Advice Tailored to You
Not all landlords are the same. Whether you’ve become a landlord by accident, are purchasing your first investment property, or already have a growing portfolio, our expert buy-to-let mortgage advisers are here to support you. We help landlords across the UK secure the right mortgage to grow and protect their investment.
Thinking About Becoming a Landlord?
At first, becoming a landlord can seem like a simple investment: find the right property, rent it out, and let the income cover your mortgage. In the best-case scenario, you hold the property long-term, then sell it for a healthy profit.
But it’s not always that straightforward. Property investment often means tying up most—or all—of your assets in bricks and mortar. Managing tenants, handling repairs, and keeping the property in good condition can take time, money, and patience. If you choose to hire a letting agent, that cost can also eat into your return.
Buy-to-Let Comes with Risk—But Also Reward
Like any investment, buy-to-let involves risk. But with the right mortgage and advice, it can become a reliable way to build long-term wealth. Our advisers are always on hand via phone or email to offer clear, expert guidance every step of the way.
One important point: you’ll need a mortgage specifically designed for buy-to-let properties. A standard residential mortgage won’t work for rental investments.
What to Know Before You Apply
Here are two key things to keep in mind when borrowing for a buy-to-let:
1. You’ll Need a 25% Deposit
Buy-to-let mortgages typically require a minimum deposit of 25%. This can come from your savings or through equity in your existing home.
2. Rental Income Must Pass a ‘Stress Test’
Lenders will assess your expected rental income to ensure it covers at least 145% of your mortgage payments, based on a higher notional interest rate—often 6% to 7%. This gives you a buffer for times when the property may be vacant or needs repairs, and protects against future rate rises.
Need Help Choosing the Right Buy-to-Let Mortgage?
Whether you’re just starting out or looking to expand your property portfolio, our buy-to-let specialists are here to help. Get in touch for tailored mortgage advice.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Helpful Guides
Buy to Let Guide
Find out more about landlord responsibilities, choosing the right mortgage, and much more.
"As a property investor myself I fully understand what is involved in negotiating a great deal with a seller and trying to get the best out of your investment. There are lots of different strategies to follow regardless of whether or not this is your first step into the Buy to Let Market or you are a seasoned Portfolio Landlord, Advice on investment properties can be complex and its more important than ever that you talk to an expert. Whatever your investment property aims are, at CARA Mortgage Services, with specially qualified Buy to Let Advisers on hand to help, we can help you make the most of your Buy to Let property journey."