Looking for a buy to let mortgage?
Embrace can help

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Buy to Let Mortgages

If you’re buying a house to rent out and you want to take out a mortgage, you’ll need a buy-to-let mortgage.

For more information or to book a mortgage appointment with our partners, Embrace Financial Services, call 01392 453594^ or complete the form and they'll call you back to book an appointment.

What is a buy to let mortgage?

A buy to let mortgage is designed for those who want to buy property to rent out to a third party.

As with a residential mortgage you can choose between fixed, discount, and other mortgage types, however the key difference is working out how much you can borrow. 

Mortgage advice

Buy to let mortgage lenders look at the likely rental income from the property as well as the applicant's annual income. Here are some good points to note when looking into a buy to let mortgage:

  • Loan-to-value (LTV) is generally 60%-85% for buy to let mortgages.
  • Your rental income will generally need to be around 125% of the monthly mortgage payments.
  • You can expect a buy to let mortgage to be approximately 1%-2% more than a residential mortgage.
  • Many landlords prefer a buy to let interest only mortgage. The lender will normally base affordability on the rental income which will generally need to be 125% more than the monthly payments.
  • If you are planning to create a lettings portfolio – some lenders will place a cap on the number of properties it will mortgage.

Use our buy to let calculator to work out the required rental income that may be needed from your proposed buy to let property.

The Financial Conduct Authority does not regulate most Buy-to-Let mortgages.

^ Calls may be recorded and/or monitored for training and/or data protection purposes.

Buy to let mortgage enquiry form

Call us on 01392 453594 for more information or to book an appointment.

Alternatively you can request a call back by completing this form and an Embrace Financial Services adviser will call you to arrange a suitable time for your appointment.

We will use your information in order to arrange for Embrace Financial Services to respond to your enquiry. If you would like to know more about how we use your information, please read our Privacy Notice.


Embrace Financial Services usually charges a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £499 to £999 and this will be discussed and agreed with you at the earliest opportunity.

Reasons to choose Embrace Financial Services

EFS  1000a 


They have access to 1000s of mortgage deals from 100s of lenders, including well known high street providers. These often include exclusive deals that cannot be accessed by going direct to the lender. 

EFS safe 


Advisers will conduct secure video or telephone appointments so you can get expert advice from the comfort and safety of your home. 

EFS   tailored 


Embrace Financial Services will listen to your needs and circumstances and recommend the best products for you. 

EFS   communication 


They provide excellent communication and will stay in touch every step of the way.  All documents can be shared safely and quickly electronically.

Buy to let calculator

Buy To Let Calculator


This calculator provides a guide to the rental income likely to be 'required' from a lender to support the mortgage applied for.

This calculator provides a guide only and does not guarantee eligibility for a mortgage. Please contact Embrace Financial Services for a personalised Key Facts Illustration.

Saif Hossein
Saif Hossein
Financial Consultant
Saif has over 10 years’ experience in the financial services industry, previously working for an estate agency as a mortgage adviser. He joined the team in 2016.

Saif was born and raised in New Delhi, India, and has lived in East London with his family since 2010. In his spare time, Saif enjoys going to the gym and playing table tennis.

Saif Hossein
Financial Consultant

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