Buy-to-Let
At K and H Mortgages, we help landlords make confident, informed decisions – without the confusion. Whether you’re buying your very first rental property or adding to an existing portfolio, we’ve here to support you through every stage your mortgage journey, combining practical know-how with a calm, human approach.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy-to-Let Mortgages are regulated by The Financial Conduct Authority.
BUY-TO-LET
What is a Buy-to-Let mortgage?
A Buy-to-Let mortgage is designed for properties you plan to rent out rather than live in yourself.
Unlike a residential mortgage, lenders look at both your personal income and the property’s potential rental income. They’ll usually want to see that the rent covers between 125% and 145% of the mortgage payments, and you’ll typically need a deposit of around 25%.
Rates, criteria and terms can vary depending on the property type and your experience as a landlord – but don’t worry, we’ll guide you through it all and help you find the right deal for your situation.
Buy-to-Let
Who we work with
First-time landlords
If you’re new to property investment, we’ll walk you through every step – from understanding what lenders look for to calculating rental income and planning for the long term. You’ll get clear, no-nonsense advice so you can invest with confidence.
Portfolio landlords
Already managing one or more properties? We’ll review your existing portfolio, check your current rates, and look for opportunities to refinance or restructure in a way that maximises returns while keeping everything compliant and efficient.
Whatever your experience level, we tailor our advice to your goals – whether that’s steady rental income, long-term growth, or a mix of both.
How we will help you
Every investment property is different, so we take time to understand your plans and priorities before recommending anything.
Here’s what to expect when you work with us:
First chat
We start with a relaxed conversation about your goals and circumstances - whether you’re buying your first rental, remortgaging an existing property or growing a portfolio.
Understanding your options
We’ll explain how Buy-to-Let mortgages work in plain English, including how deposits, rental income, and affordability are assessed, so you know exactly what’s realistic for you.
Market comparison
We search across the market to find the most suitable products for your needs.
Application and coordination
Once you’re ready to move ahead, we handle the application process, liaise directly with lenders, and keep everything on track from start to finish.
Completion and beyond
Most buy-to-let mortgages complete in around 6–10 weeks, and we’ll keep you updated every step of the way. Once everything’s wrapped up, we’ll stay in touch so you’re prepared when it’s time to review or expand your portfolio.
Buy-to-Let
Common Buy-to-Let scenarios
Purchasing your first rental propery
We’ll guide you through affordability checks, deposit requirements and expected rental yields, giving you the confidence to make a smart first investment.
Remortgaging your buy-to-let
We’ll review your existing deal and explore what the best deal available for your circumstances is.
Limited company (SPV) purchases
Buying through a limited company can offer tax and flexibility benefits, but it’s not always right for everyone. We’ll explain what it means, what’s required, and which lenders support SPV applications.
Specialist investments (HMOs or holiday lets)
If you’re considering HMOs or short-term holiday lets, we’ll guide you through the extra rules, income calculations and lender criteria that come with them.
Buy-to-Let
What you need to know
What most lenders ask for:
Most lenders ask for:
A deposit between 20–40% (25% is most common)
Rental income that covers 125–145% of your monthly payments
Good credit history and proof you can manage the property responsibly
You should also budget for:
Valuation and legal fees
Lender arrangement or product fees
Broker fees (we’ll explain ours clearly before you start)
Our fee
All mortgage advice is free, but our fee of £400 will become payable on submission of an application to a lender.
How long does it take?
Most buy-to-let mortgages complete in around 6–10 weeks, depending on your circumstances and the lender’s timescales.
Important information:
The Financial Conduct Authority does not regulate some types of Buy-to-Let or commercial mortgages. Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy-To-Let
Why work with us
Working with us gives you access to a wider range of lenders and products – not just one bank’s options. That means better chances of finding the right fit for your circumstances.
At K and H Mortgages, we are:
- Real people who care. We who understand what it’s like to make big life decisions – and we care deeply about helping you feel confident every step of the way.
Not going to confuse you with jargon. Everything is explained in plain English.
Not held to massive sales targets. We’re here to help you, not hit quotas.
Thinking about your next property investment?
Book a free chat with us today – whether you’re exploring buy-to-let for the first time or refining your existing portfolio, we’ll help you make your next move with clarity and confidence.