Buy-To-Let Mortgages
Expert Advice for Landlords and Property Investors
Whether you’re purchasing your first rental property or growing an established portfolio, securing the right buy-to-let mortgage is key to maximising your returns. At Alphakey Mortgages, we provide whole-of-market mortgage advice for landlords across the UK—offering access to a wide range of lenders, from high street banks to specialist providers.
Our expert advisers take time to understand your investment goals, property plans, and financial profile—guiding you through the process from initial enquiry to completion. Whether buying as an individual or through a limited company, we’ll help you find a mortgage that fits.
Buy-To-Let Mortgage FAQs
What is a buy-to-let mortgage?
A buy-to-let mortgage is a loan specifically designed for properties that will be rented out, rather than lived in by the owner. It usually requires a larger deposit and has different lending criteria than residential mortgages.
How much deposit do I need for a buy-to-let mortgage?
Most buy-to-let mortgages require a minimum deposit of 20–25%, though some lenders may ask for more depending on the deal and borrower profile.
Can I get a buy-to-let mortgage as a first-time buyer?
It’s possible, but fewer lenders offer this option. We can guide you through what’s available and help structure your application to improve approval chances.
Do I need to own a home to apply for a buy-to-let mortgage?
While not always required, many lenders prefer applicants to already own a residential property. However, we do work with lenders who consider first-time buyers.
Can I buy through a limited company?
Yes! Many landlords choose to purchase rental properties through a limited company for tax efficiency. We offer access to specialist lenders that support this structure.
A buy-to-let mortgage is a loan specifically designed for properties that will be rented out, rather than lived in by the owner. It usually requires a larger deposit and has different lending criteria than residential mortgages.Most buy-to-let mortgages require a minimum deposit of 20–25%, though some lenders may ask for more depending on the deal and borrower profile.It’s possible, but fewer lenders offer this option. We can guide you through what’s available and help structure your application to improve approval chances.While not always required, many lenders prefer applicants to already own a residential property. However, we do work with lenders who consider first-time buyers.Yes! Many landlords choose to purchase rental properties through a limited company for tax efficiency. We offer access to specialist lenders that support this structure.
Reasons to Use Us for Mortgage Advice
Whole-of-Market Access
We compare deals from across the entire UK market, not just one lender—helping you secure the most suitable mortgage for your needs.
Clear, Personalised Advice
We work with first-time landlords, portfolio investors, and limited companies, offering tailored guidance for every investment stage.
Support for Landlords
Whether you’re buying a single let, an HMO, or a holiday rental, we’ll connect you with lenders who understand your property type.
Connected Services
Need a solicitor, surveyor, or accountant? We can introduce you to trusted professionals to support your investment journey.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Residential Mortgages
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-To-Let Mortgages
Specialist Lending
We offer flexible lending solutions for unique situations
Specialist Lending
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Mortgage Protection
Life Insurance
Protect your family’s future, no matter what.
Life Insurance
Insurance & Protection
Personalised cover for life, income, health, home, and more.
Protection Services
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.