In recent years, there has been a mass of regulatory change, but the buy to let market is a buoyant one that can provide you with a steady rental income and you can generate capital growth as the value of your property increases.

Whether you are looking at a buy-to-let mortgage to give you a better lifestyle, to put away some savings, or fund your retirement, it’s important to have a mortgage broker such as ourselves to find you the right deal and hurdle any challenges.

At Smiths Financial, we will help you to find the most suitable buy-to-let mortgage for your budget and, as you look to make this investment, will provide impartial advice and guidance. We will look at various options to make sure you can still afford your monthly payments if rates go up. On top of this, we can help you to arrange insurance to protect you against loss of rental income if the property is unoccupied, damage and any legal costs.

House Multiple Occupancy (HMO) mortgages

We can also advise on HMOs, which are designed for landlords who want to rent their property out to more than three tenants who are not from one household already. They are quite specialist, and we can help you navigate this particular lending market and guide you on the rules, interest, and fees.

For more information on HMO mortgages, you can click on the dedicated page here.


Most lenders prefer you to be a residential homeowner, and there is usually a minimum income requirement of at least £25,000 to get a buy-to-let mortgage. However, some lenders will consider you with no income limit. It’s worth bearing in mind that product fees can be higher than your standard mortgage and you can expect to pay 20% as a minimum for the deposit, but we can guide you through this.

Limited Company buy-to-let mortgages

We also advise on Limited Company buy-to-let mortgages, you can click on the dedicated page here.

The Financial Conduct Authority does not regulate some forms of Buy to Lets

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