It’s important you get the right mortgage funding in place. Huxley Corporate Finance compares the mortgage market to find the most competitive buy-to-let mortgage rates for you.
A buy-to-let mortgage is a mortgage specifically for those who buy property in order to rent it out as an investment. If you’re choosing to buy properties to rent to tenants, lenders will prefer you to finance your purchase with a buy-to-let mortgage.
The minimum deposit for a buy-to-let mortgage is typically higher than a residential mortgage — usually between 20-40%.
Simply put, if you wish to grow a property rental portfolio, a buy-to-let mortgage is the ideal way to fund your investments.
“To help you with the growth of your property investment Portfolio, Huxley Corporate Finance will guide you through the buy-to-let mortgage application process and partner with you to help you achieve your long term property investment goals.”
Richard Huxley Director
Mortgages can be a minefield, but Huxley Corporate Finance works closely with you to ensure the mortgage application process goes as smoothly as possible:
A house of multiple occupancy (HMO) is property with multiple tenants with exclusive access to their own bedroom and use of communal areas like lounges, bathrooms and kitchens. In some regions HMO properties may need to be licensed by your local authority. It’s important to check this before you purchase/let the property. Each tenant also needs to sign an AST (Assured Shorthold Tenancy) agreement. You can choose to do this as one agreement to include all tenants or provide each tenant with an individual AST agreement.
Yes, a valid tenancy agreement is typically required when applying for a buy-to-let mortgage. Lenders want assurance that the property will generate rental income. The most common type is an Assured Shorthold Tenancy (AST). You can issue one agreement covering all tenants or provide individual agreements — especially useful in HMOs. We’ll advise on what’s most suitable based on your setup and lender requirements.
Standard buy-to-let mortgages are generally suited for properties that are ready to rent. If the property needs significant renovation, you may need a bridging loan or refurbishment finance initially, with the option to remortgage onto a buy-to-let deal once the work is complete. We’ll help you find the right funding structure based on your investment strategy and property condition.
Most lenders require a minimum deposit of 20–25% of the property’s value, though this can vary depending on the property type and your financial profile. A larger deposit may give you access to better rates. As a broker, we’ll compare offers from across the industry to help you secure the most competitive terms.
Yes, some property types may be more challenging to finance, such as:
That said, specialist lenders are often available — and we know how to approach them. Our role is to navigate the complexities and source the right lender for your property.