Buy-to-Let Mortgages

How We Help You with Buy-to-Let

At Moneybox Financial Management Limited, we specialise in helping landlords—whether you're a first-time investor or an experienced property owner. With over 30 years of industry experience, we provide expert guidance to help you find the right mortgage deal for your investment.

Our team will:
•    Find the right lender based on your investment goals and financial situation
•    Compare mortgage options to secure competitive rates
•    Help with affordability checks and lender requirements
•    Assist with applications to ensure a smooth process

We work with lenders across the market to help you maximise your rental returns while keeping borrowing costs low.

How Does a Buy-to-Let Mortgage Work?

A buy-to-let mortgage is designed for landlords who want to purchase a property to rent out rather than live in. It works differently from a standard residential mortgage:

• Larger deposit required – Typically 20-25% of the property’s value.
• Interest-only option – Many landlords choose interest-only mortgages, paying only the interest each month and repaying the loan when they sell the property.
• Rental income assessment – Lenders will check if your expected rental income covers the mortgage repayments (usually 125-145% of the loan amount).
• Higher fees and rates – Buy-to-let mortgage rates and arrangement fees can be higher than residential mortgages.
• Stamp duty and tax considerations – Additional stamp duty charges apply, and tax rules can impact your profits.

When is a Buy-to-Let Mortgage Suitable?

A buy-to-let mortgage could be the right option if:

• You’re looking to invest in property to generate rental income.
• You can afford a larger deposit (typically 25% or more).
• You have a good credit score and steady financial background.
• You understand the responsibilities of being a landlord, including property management and legal obligations.
• The rental income is expected to cover the mortgage repayments with a comfortable margin.