Buy to Let Mortgages
Whether you're buying your first rental property or expanding a growing portfolio, the right mortgage strategy can make all the difference. At CP Mortgage Solutions, we offer independent guidance and access to over 180 lenders, helping you secure buy-to-let finance that aligns with your goals and investment strategy.
Expert Guidance for New and Experienced Landlords
Investing in property is exciting, but it also requires careful planning - especially with changing tax rules, rental calculations, and lender criteria.
We understand the buy-to-let market inside out, and we’re here to guide you through every stage of the process.
We’ll help you navigate:
- Rental income calculations and stress-testing
- Affordability requirements for landlords
- Personal vs. limited company ownership structures
- Portfolio landlord criteria
- Interest-only vs. repayment strategies
- Long-term planning and refinancing options
With this expertise, we ensure your financing supports your investment goals - not restricts them.
Matching You With Lenders Who Understand Property Investment
Buy-to-let mortgages work differently from residential mortgages.
We analyse your expected rental yield, assess the property’s viability, and match you with lenders who specialise in supporting property investors.
This includes lenders who:
- Use flexible stress-test calculations
- Allow multiple properties within a portfolio
- Offer limited company buy-to-let products
- Understand complex income structures
- Provide competitive interest-only options
Whether you're just starting or aiming to scale your portfolio, we’ll help structure your mortgage so it supports strong returns with fewer surprises along the way.
Planning for Long-Term Growth
Property investment is most successful when supported by long-term financial planning.
We help you choose a mortgage strategy built for sustainability, ensuring your financing remains viable as rental markets change, regulations evolve, and your portfolio grows.
Buy to Let FAQs
1. How much deposit do I need for a buy-to-let mortgage?
Most lenders require a minimum deposit of 20–25%, though some may accept less depending on the property and your financial profile.
2. How is affordability assessed for buy-to-let?
Lenders typically use rental income stress tests, checking whether the expected rent covers the mortgage payment by a set percentage. We’ll calculate this for you beforehand.
3. Can I buy a rental property through a limited company?
Yes. Limited company buy-to-let is increasingly popular. We’ll explain the pros, cons, and lender options available.
4. Do I need to already own a home to get a buy-to-let mortgage?
Some lenders require you to be a homeowner, but others don’t. We’ll guide you to lenders that align with your situation.
5. Can I refinance my existing rental properties?
Absolutely. Remortgaging can help you release equity, improve rates, or restructure your portfolio. We’ll compare options from across our lender panel.
