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There are a huge number of buy-to-let mortgage rates available in the UK so it can be tricky for you to find the best product to suit your individual circumstances. One of the most important factors in determining which buy-to-let rates you can apply for is the ‘rent stress test’ or rental calculation.

Most lenders will use a simple calculation based on the rental income you receive from your buy-to-let property to decide how much they will lend to you and at what interest rate. Rent stress tests vary from lender to lender, so finding the best buy-to-let mortgage rate could be a challenge as there are so many different options to choose from.

Man doing calculation
  • Property type

    The type of rental property you invest in can also affect the buy-to-let mortgages you can apply for. Most lenders will accept standard houses and flats, but not every lender will accept houses in multiple occupation (HMOs), multi-unit blocks, ex-council properties, flats above shops or new build properties.

    Buy-to-let Direct offers you our experience and expertise to help identify which lenders are most suitable for your particular buy-to-let property type.

  • Property type

    Buy-to-let Direct provides you with a whole of market service which means we have access to products from all of the buy-to-let mortgage lenders in the UK, giving you the widest possible selection. We have variable rates, tracker rates and fixed rates for you to choose from with initial rates for 2 years, 3 years, 5 years, 7 years, 10 years or lifetime rates on some variable products.

    The price of buy-to-let mortgages can vary considerably depending on the product type and the duration of the initial rate, so we are here to help you identify the best options for your individual needs.

  • Loan-to-value

    The amount you want to borrow as a percentage of the value of your buy-to-let property is called the loan-to-value or LTV. The price of buy-to-let mortgages tends to increase as the LTV gets higher, so 60 per cent LTV products are normally cheaper that 80 per cent LTV products. Therefore, it is a good idea to work out how much you can afford as a deposit on your buy-to-let mortgage in order to get the best possible mortgage rates.

  • Other considerations

    There are other factors that buy-to-let mortgage lenders will take into consideration when assessing an application which may include your age, employment status and portfolio size.

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How to apply

It's easy to apply! Request a free quote and one of our buy-to-let experts will get in touch to discuss your options. When you've decided which lender and rate is right for you, we'll email you a link to make an online application.

If you've used our buy-to-let Mortgage Finder to find your own mortgage deal, simply select "Details/Apply" next to your chosen product to access our online application form.

Once you've completed the application form our experienced processing team will contact you. We'll do all the hard work for you! You'll have a dedicated case owner who will support you throughout your application and will be able to answer any questions you have. You can also send any supporting documents straight to us using our document upload facility in the Existing Applications area of the website.

This website aims to give you general information. It is not advice, nor can it take account of your own particular circumstances. 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 mortgages.

Buy-to-Let Direct Limited: registered in England no. 06664758 : Regus House, Malthouse Avenue, Cardiff Gate Business Park, Mid Glamorgan, Cardiff, CF23 8RU. Buy-to-Let Direct is an Appointed Representative of The Business Mortgage Company Services Ltd, which is authorised and regulated by the Financial Conduct Authority (No. 487867) to transact regulated mortgages and registered as a Consumer buy to let arranger. The FCA does not regulate some investment mortgage contracts.