A Buy-to-Let mortgage allows you to purchase property with the intention of renting it out rather than living in it. These are popular among investors in the UK property market.

Lenders typically require that expected rental income covers mortgage payments by a given margin (e.g. 125–145%). Also, Buy-to-Let mortgages often have stricter criteria, higher interest rates, and deposit requirements than residential mortgages. Some lenders are selective about property types (e.g. HMOs, holiday lets) and require compliance with licensing rules.

Whether you’re expanding a portfolio or starting your first investment property, understanding yield, taxation, ongoing costs, and landlord responsibilities is key. A strong application, sensible leverage, and good management can make Buy-to-Let investing a rewarding long-term strategy.