What Is a Buy to Let Mortgage?
A buy to let mortgage is designed for properties you plan to rent out rather than live in yourself. Lenders assess things like expected rental income, deposit size, property type, and your circumstances before confirming how much you can borrow.
Working with a specialist buy to let mortgage broker helps you compare suitable options and get clear buy to let mortgage advice before you apply.
Buy to let mortgage advice can help with:
With Zest, you get practical buy to let mortgage advice tailored to your investment goals, budget, and long term property plans.
The Essential Ingredients for a Successful Buy to Let Mortgage
Getting a buy to let mortgage does not need to feel complicated. Once you get in touch with our team, we will talk through your investment plans, the property you are looking to buy or remortgage, and your financial position. From there, we will assess your options, explain what is possible, and compare suitable deals using our whole of market access.
Whether you are a first time landlord, expanding your portfolio, or reviewing an existing deal, we provide clear buy to let mortgage advice from start to finish, from recommendation to application and beyond.
As your trusted buy to let mortgage broker, we focus on finding a solution that fits your goals now and supports your next steps in property investment.
Who We Help
First Time Landlords
Buy to let mortgage advice so you understand deposits, lender criteria, monthly costs, and the application process.
Existing Landlords
We can help you review your current arrangements, improve cash flow, or secure funding for your next purchase.
Buy to Let Remortgages
We help landlords remortgage to secure a better rate, switch products, or release equity for further investment.
Limited Company Buy to Let
We can help you find lenders that support company structures and explain the key differences in criteria and documentation.
Portfolio Landlords
If you own multiple properties, we can help you navigate more complex lender requirements, stress testing, and portfolio assessments.
Specialist Cases
We can advise on more complex buy to let scenarios, including HMOs and other properties where lender criteria may be more specific.
Frequently Squeezed Questions
We’ve brought together the questions we hear most often . No jargon, no fuss / just the clarity you need to move forward with confidence.
What does a buy to let mortgage broker do?
A buy to let mortgage broker helps landlords find and apply for suitable buy to let mortgages based on their circumstances, investment goals, and lender criteria. They also support the application through to completion.
Can I get buy to let mortgage advice as a first time landlord?
Yes. We provide buy to let mortgage advice for first time landlords and explain the process, costs, and lender requirements clearly.
Do I need a larger deposit for a buy to let mortgage?
Buy to let mortgages usually require a larger deposit than residential mortgages. The amount depends on the lender, property, and your circumstances.
Can I remortgage a buy to let property?
Yes. Many landlords remortgage to secure a better deal, release equity, or switch products when their current deal is ending.
Can you help with limited company buy to let mortgages?
Yes. We can help with limited company and SPV buy to let cases, subject to lender criteria.
When should I speak to a buy to let mortgage broker?
Ideally before making an offer. Early advice helps you understand borrowing limits, likely costs, and which lenders may suit your case.
Making Your Buy To Let Journey Simple
Why Choose Zest as your buy to let mortgage broker?
Whole of market access
We compare buy to let mortgage deals from across the market, helping you avoid missing a product that may better suit your property goals, budget, and plans.
Refreshingly Personal Advice
No jargon and no pressure. Just clear buy to let mortgage advice tailored to your circumstances, whether you are buying your first rental or expanding your portfolio.
Sweet & Social
We keep everything straightforward throughout the process, so you always know what is happening, what we need from you, and what comes next.
Support from start to finish
From your first enquiry to mortgage offer and completion, we are on hand to guide you through each step and help keep your case moving smoothly.
