Buy to let
mortgages
mortgages
Whether it’s your first or 100th property investment, our award-winning brokers are here to help
Let’s find a buy to
let mortgage
Our easy-to-use buy to let mortgage calculator can help you find the best mortgage rate. It also shows you how much you will pay each month. All you have to do is give us a few details.
At MFB, we get buy to let mortgages
With over 34 years of experience, our award-winning buy to let broker team is equipped to deal with everything from vanilla to super-complex investments.
- Individual, limited and trading company applications
- First-time landlords
- Portfolio landlords
- Professional landlords
- Expat and foreign national investors
- High street and specialist lender access
- Purchase, remortgage, further-advance, refurb-to-let
- BTL portfolio loans
- Low and fee-free arrangement fees available
- 5-25-year terms
- Quick decisions in principle
Why MFB for buy to let?
Our award-winning buy to let brokers are experts in their field. Our enthusiasm and experience make us the best brokerage to help with your buy to let mortgage application. We strive to deliver excellence with every mortgage application, no matter how complex or straightforward your enquiry may be. Whatever you’re looking to do, we’re the team to help.
- It’s our mission to be the mortgage brokerage that our clients love working with, and our employees love working for.
- We put you, our client, at the heart of everything we do, treating your mortgage as if it’s our own.
- Our people are our best asset. We train, reward, and inspire our team to help them provide you with the best service possible.
- With over 30 years of experience, we’ve never stopped learning. Whatever your property investment, you’ll have an expert with you at every stage.
- We’re regulated by the FCA and a founder-member of the National Association of Commercial Finance Brokers (NACFB), following their Code of Practice.
- Integrity is non-negotiable; we’ll always be honest and fair with you. Our advice is unbiased and always in your best interests.
Find out how much you can borrow
Use our calculator below to get started with your property investment plans.
What our clients say…
We could go on all day about what makes us great, but our client's reviews speak for themselves
Why BTL?
BTL provides many opportunities for new rental property investors and experienced landlords, from vanilla properties to complex multi-units.
Many different banks and lenders offer buy to let mortgages, and several factors impact which lender is right for you. Factors like property type, your situation, how you invest, and your experience all impact your mortgage options. As a whole-of-market mortgage broker, whatever your requirements, we’ll find the best lender and best mortgage rate for you.
Whether you’re new to the market or have years of property investment experience, it’s important to keep up to date. Here, you’ll find a wide range of resources to get you started, from expert how-to guides, insightful news articles and case studies to our bespoke buy to let calculator to source you your next rate.
Where to start with
buy to let mortgages
Explore our
latest brochure
Download our brochure for everything you need to know about buy to let mortgages. We cover frequently asked questions from landlords, and explore why a Limited Company could be the right option for you.
Frequently asked buy to let mortgage questions…
Do I need a buy to let mortgage to rent out a property?
Yes, you will need a buy to let mortgage in place to let out your rental property to tenants. If you let out your property on a residential mortgage without your lender’s consent, you may be in breach of your mortgage conditions. Get in touch with one of our expert brokers to discuss your options.
What is the difference between a buy to let mortgage and a residential mortgage?
A residential mortgage is a loan secured on a property for you to live in, whereas a buy to let mortgage is a loan secured on a property you let out or rent to tenants Buy to let mortgages tend to incur higher fees, and mortgage interest rates are typically higher as well, as they are more specialist mortgage products.
Furthermore, buy to let is not a regulated industry, whereas residential mortgages are. As such, you only have access to the Financial Services Ombudsman and Financial Services Compensation Scheme when applying for a mortgage for your own home. This is because buy to let mortgages are considered to be business transactions, and therefore are not eligible for the FCA’s consumer regulations.
What is a buy to let mortgage?
What is 'loan to value' (LTV)?
What is the ‘rental income’?
What is the ‘interest cover ratio’ (ICR)?
How much deposit do you need for a buy to let mortgage?
What are the arrangement fees on buy to let mortgages?
Should I choose a fixed or variable rate mortgage?
Why should I use a broker for my buy to let mortgage?
Does MFB have access to a wider range of mortgage deals?
Meet your mortgage makers.
Talk to an expert
We’d love to help you with your property investment plans, so submit your contact details below to request a call back from one of our qualified mortgage advisors. If there is a particular date or time that you’d prefer to be contacted, please let us know in the message box.
Learn more about buy to let mortgages
Find my BTL mortgage
Search thousands of mortgage rates to find the best deal for you.
How much can I borrow?
Use our buy to let calculator to get started with your property investment plans
Limited Company
Mortgages
All you need to know about buy to let mortgages for Limited Companies and the benefits of limited company borrowing.
It’s time to remortgage
We’ll help you secure the best remortgage deal for your property investment needs.