Buy-to-Let
Mortgages
Whether you're a first-time landlord or expanding your portfolio, we provide specialist buy-to-let mortgage advice with access to a wide range of lenders from across the market.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
How Buy-to-Let Mortgages Work
Buy-to-let mortgages are specifically designed for properties you intend to rent out. They differ from residential mortgages in several important ways, including deposit requirements, affordability calculations, and the types of products available.
Deposit Requirements
- • Min 25% deposit - Most lenders require 75% LTV
- • Better rates at 40%+ - Best rates at 60% LTV or lower
- • Some accept 15-20% - But expect higher rates
Rental Income (ICR)
Rental income must cover 125-145% of the mortgage payment when stress-tested at ~5.5%.
Example:
£112,500 mortgage at 5.5% = £515/mo interest
Min rent required: £747/month
Interest-Only vs Repayment
Most buy-to-let mortgages are taken on an interest-only basis:
Interest-Only Benefits
- • Lower monthly payments
- • Maximises cash flow
- • Capital remains same
Exit Strategy Needed
- • Sell the property
- • Remortgage later
- • Use other funds
Types of Buy-to-Let Mortgages
Standard Buy-to-Let
For single properties let to one household on an Assured Shorthold Tenancy. This is the most common type with the widest lender choice.
HMO Mortgages (Houses in Multiple Occupation)
For properties let to 3+ unrelated tenants. Higher yields but specialist requirements:
Limited Company Buy-to-Let
Purchasing through a Special Purpose Vehicle (SPV) company offers potential tax advantages:
Portfolio Landlord Mortgages
Own 4+ mortgaged properties? You're a portfolio landlord with additional requirements including detailed underwriting and business plans.
Personal Name vs Limited Company
| Factor | Personal | Limited Co |
|---|---|---|
| Mortgage interest | 20% tax credit only | Fully deductible |
| Profit tax rate | 20-45% income tax | 25% corporation tax |
| Extracting funds | Direct access | Dividends required |
| Mortgage rates | Generally lower | Slightly higher |
Important: We recommend speaking to a qualified accountant about your specific tax situation. CGR Financial can recommend trusted local accountants if needed.
Why Choose CGR Financial for Your BTL Mortgage?
Specialist BTL lenders
Access to lenders not on the high street
Portfolio experience
We work with landlords of all sizes
HMO expertise
Access to specialist HMO lenders
Limited company specialists
We know which lenders work best for SPVs
NI rental market knowledge
We understand local yields and demand
Landlord insurance
We can arrange comprehensive cover too
Jordan Willis
Mortgage & Protection Advisor
With extensive experience in the Northern Ireland mortgage market, Jordan specialises in helping first-time buyers and those with complex circumstances find the right mortgage solution.
Qualifications
Specialisms
- First-Time Buyers
- Remortgages
- Protection
Key Points
- Minimum 25% deposit (75% LTV)
- Rent must cover 125-145% of payment
- Interest-only available
- Limited company options
- HMO specialists available
Protect Your Investment
We can arrange comprehensive landlord insurance including buildings, contents, and rent guarantee cover.
Learn about landlord insuranceCGR Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
Related Services
What Our Landlord Clients Say
Hear from property investors we've helped
"Working with CGR Financial has been such a positive experience. Jordan and Nadine were incredibly supportive throughout the entire mortgage process, guiding us with clear advice and making sure I understood every step along the way."
Buy-to-Let Mortgage FAQs
Ready to Invest in Property?
Book a consultation to discuss your buy-to-let mortgage options with our specialist advisors.