Buy To Let

Get in touch for a free, no-obligation chat about how we might be able to help you.

Get in touch

1 Step 1

Article created by Christian Duncan, Director – Mortgage and Protection Adviser
28th July 2025

How much deposit is needed for a buy to let?

Typically, you’ll need at least a 25% deposit for a buy-to-let mortgage, although some lenders might accept between 15% and 20% if the deal stacks up well. The more you can put down, the better your interest rates and the wider the choice of lenders. When we say if a deal stacks up, we are typically looking at how much rent that property is realistically going to achieve per month.

What are the requirements for a buy to let mortgage?

To get a buy-to-let mortgage, some lenders like you to already own a property, have a good credit history, and show that the expected rental income covers 125–145% of the monthly mortgage payment. Some lenders may also want a minimum personal income, usually around £25,000 a year. That being said there are lenders that have a lending appetite for people with no landlord experience, don’t own a property and no minimum income and bad credit. Each mortgage lender has it’s own specific guidelines and appetite for lending. Speaking with a mortgage broker is likely to increase your chances of acceptance in this scenario.

What salary is needed for a buy to let mortgage?

No salary is needed to secure a buy to let mortgage with certain lenders. They will base their lending decision on the rental income that the property is likely to attract.

Is buy to let worth it in 2025?

Absolutely, the buy to let market is going from strength to strength following the volatile market we experienced between 2022 – 2024. Interest rates are continually fluctuating and my advice would be to talk to a broker who has experience in property investment and buy to let. This will give you the best chance of maximising both your profits as well as your capital appreciation.

Can you get a buy to let with no income?

Yes, as mentioned above there are plenty of buy to let lenders that don’t require you to have a minimum amount of income.

Speak To An Expert

Whether it’s your first time, moving home, investing or just looking for a better rate we would love to hear from you.

Can a first-time buyer get a buy to let mortgage?

Yes, buy to let mortgages are available to first time buyers. Lenders are likely to sense check the application to make sure this application is legitimate and they aren’t looking to use a non-regulated mortgage in place of a mortgage that might be regulated and subject to stricter criteria.

Buy to let mortgages with bad credit?

The majority of buy to let lenders are looking for applicants with little to no bad credit but there are lenders that have an appetite for applicants with bad credit. I’ve recently had success in securing a mortgage offer for somebody who had a couple of unsatisfied CCJ’s and a defaulted account.

Buy to let mortgages and being self employed

Theres two paths we can follow when looking to secure a buy to let mortgage for somebody who’s self-employed. Option 1 would be pursuing a lender who’s likely to accept somebody with no income at all. The rates in this scenario are likely to be less favourable but still competitive. Option 2 would be to use the clients self employed income to strengthen the application. This is likely to offer you a wider spread of lenders and the most competitive rates on the market.

Buy to let under a Limited company or personally owned?

In 2025 the majority of our buy to let business is limited company purchases and remortgages of existing personally owed properties. Over recent years the amount of clients looking to purchase property for investment purposes in their personal name has decreased significantly. There are circumstances where this can be the most cost-effective option when factoring in lender fees, legal fees and Stamp Duty Land Tax.

Buy to let Limited company SPV vs Trading Company or Layered Companies?

Limited company SPV purchases by far hold the majority shareholding of our new buy to let business. That being said we have plenty of buy to let landlord that are either portfolio landlords or aspiring portfolio landlords that are purchasing under a complex company structure. There can be a number of reasons why a client would purchase under a company structure but these are usually done for tax efficiency.