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Buy to Let Mortgages

  • Competitive rates for Buy to Let Mortgages
  • Individually negotiated deals with special features for Buy to Let clients

Contact Us for expert mortgage advice

but to let mortgages surrey

So if you are planning to invest in a Buy to Let; move your mortgage to; or remortgaging an existing Buy to Let property; talk to us today.

Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.



Buy to Let

Buy to Let in recent years has become an increasingly popular mortgage option for those wishing to invest in residential rental property.

However, some potential investors are put off entering the Buy to Let market due to the popular perception that Buy to Let mortgages are expensive.

Buy to Let – the story today

This popular misconception no longer holds true as lenders today are now offering increasingly competitive rates, which in many cases are generally not significantly higher than those on standard mortgages.

Landlords also have a choice between interest only and repayment mortgages. However, Buy to Let mortgages do differ in several important ways from standard mortgages.

A major difference is the criteria lenders apply when considering approving a loan. Buy to Let mortgage lenders base their decisions generally on whether or not to approve a loan on the likely rental income from the property.  Whilst the level of the applicants’ income is taken into consideration it is not as critical as with residential mortgages.

In order to secure finance, rental income is typically needed to be 125% of the notional mortgage interest rate. This notional mortgage interest rate can typically be set at between 5.00% and 6.00%. The level it is set at is individual to each lender and subject to what basis they wish to operate on.

What can we offer you?

We have access to thousands of mortgage products including exclusive deals with certain lenders.   We can offer a wide range of Buy to Let Mortgages with some special features:-

  • From as little as 25% deposit required
  • First time buyers Buy to Let products available
  • No minimum personal income required
  • Buy to Let remortgage products that can occasionally be free from fees may be available
  • Generous rental calculations normally based on 125% of the notional mortgage interest rate a lender has chosen to use
  • Ltd Company Buy to Lets
  • Clients with adverse credit can sometimes be accepted
  • Buy to Let mortgages for large portfolios and professional landlords

Whatever your mortgage requirements, we are certain we can find the right mortgage for you.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.


A fee of £100 may be payable after an initial assessment in order to source you an appropriate mortgage. A fee from £200 is payable when we submit an application to a lender on your behalf. We will receive commission from the lender in addition to the fee you pay. We will obtain your agreement to proceed before any fees are payable. All fees are non-refundable.

Bestmortgage4U is a trading style of John Edward who is an Appointed Representative of Mortgage
Intelligence, which is authorised and regulated by the Financial Conduct Authority under number 305330 in
respect of mortgage, insurance and consumer credit mediation activities only.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman.
Our advice is covered under the Financial Ombudsman Service.