Buy to Let Mortgages

From your first Buy to Let to managing your portfolio, we are here to advise you on everything from getting the right rates to releasing the capital you need to scale.

  • Minimum 15% Deposit


  • Get a better rate


  • In under 7 days


Buy to Let Mortgage Advice

Working in Buy to Let Mortgage - Specialist finance for more than 15 years we have helped 1000's of landlords start and manage their portfolio. We have the time, experience and expertise to ensure that you achieve the right deal for you.

  • Personal Advice
  • Out of the Box Thinking
  • Portfolio Landlords
  • Bad Credit Considered

Some forms of Buy to Let mortgages and Bridging Loans are not regulated by the Financial Conduct Authority.

The value of investments, and the income arising from them, can go down as well as up, and is not guaranteed, which means that you may not get back what you invested. Past performance is not a reliable indicator of future results. 

Lets Talk about Buy to Let Mortgages

Investing in a buy to let property in the UK can be a lucrative opportunity, but it's important to secure the right mortgage to finance your purchase. In this post, we'll go over the basics of buy to let mortgages and what you need to consider when applying for one.

What is a Buy to Let Mortgage?

A buy to let mortgage is a type of loan specifically designed for individuals or companies (SPV's) who are looking to purchase a property with the intention of renting it out to tenants. These mortgages are typically offered by banks and building societies, and take into account the potential rental income of the property when determining the amount that can be borrowed.

Key Factors to Consider

When applying for a buy to let mortgage, there are several key factors to consider:

  • Deposit: buy to let mortgages often require a larger deposit, typically between 25% and 40% of the property's value. This is because lenders view buy to let properties as a higher risk than owner-occupied homes, and want to ensure that the borrower has a significant amount of equity invested in the property.

  • Credit score and financial history: Lenders will also consider the borrower's credit score and financial history when evaluating a buy to let mortgage application. It's important to have a good credit score and a stable income, as this will increase your chances of being approved for a loan and getting a competitive interest rate.

  • Type of property: Different lenders may have different requirements for different types of properties, such as houses, flats, or holiday homes. For example, some lenders may be more willing to lend on a flat in a city centre, while others may prefer to lend on a house in a more rural area.

  • Interest rates: buy to let mortgages typically have higher interest rates than standard home loans. This is because lenders view the risk of default as being higher with buy to let properties, due to the unpredictable nature of the rental market. However, the potential for higher rental income can offset the higher interest rates, making buy to let properties a potentially lucrative investment.

Finding the Right Buy to Let Mortgage

When shopping for a buy to let mortgage, it's important to compare offers from multiple lenders to find the best deal. Be sure to consider not only the interest rate, but also any fees or charges that may be associated with the loan. Additionally, working with a mortgage broker can be helpful in navigating the different options and finding a loan that meets your needs.

Managing Your Buy to Let Property

In order to make the most of your buy to let investment, it's important to have a solid plan in place for managing your property. This includes finding reliable tenants, setting appropriate rent rates, and handling any maintenance or repair issues that may arise. With proper planning and management, a buy to let property can be a rewarding and profitable investment.

In conclusion, buy to let mortgages are a specific type of loan designed for individuals looking to purchase a property for the purpose of renting it out. These mortgages often require a larger deposit and have higher interest rates than standard home loans, but the potential for higher rental income can make them a worthwhile investment. By shopping around and comparing offers from multiple lenders, and working with a mortgage broker if needed, you can find the right mortgage for your buy to let property.

What are the types of



First Time Buyers / Landlords / Experienced Landlord / Portfolio Landlords, everyone wants to make sure they get the right deal for their circumstances. No one wants to pay more than they should. We make sure you get the right deal.


Managing your renewal dates can become a task, if you miss one then you could end up paying more for your investment than you should be. We keep an eye on your renewal dates and contact you when it's due. You don't pay more.

Flexible Finance

Ever wished you had access to cash to take advantage of deals that require a lightening fast turnaround. Flexible Finance can give you access to a pre-agreed facility so you can get your hands on this cash within 48 hours. Once you don't need it anymore, just repay it and save yourself the interest. No Early Repayment Charges. 

Release Capital

Getting your hands on a lump sum without paying hefty Early Repayment Charges should save you £1000's. We will work with your existing lender and also have access to a range of specialist products to help you realise the cash you require while also ensuring this is done in the most cost effective way                                                                    

Professional Advice
Saving you Time and Money

There is no alternative to Experienced Professional Advice. Not only does this ensure you get the right deal but also ensures you consider all the options that's available to you. With new products coming on to the market everyday can you be confident you can do this on your own. Find out what we can do in 30 minutes.


Dedicated Professional Advice

You will have a named adviser who will get to know you. They are experienced and qualified to provide you with all the help and advice you need throughout the process.  

We deal with the banks

No one likes having to deal with the banks. They will almost always ask you questions during your application and we are ideally placed to answer them. Over 15+ Years of experience and 1000's of Mortgage Applications has helped us do this very effectively. 

Named Contact

You will never become a number, not like dealing with a bank directly. Having to explain yourself over and over again to whoever picks up the phone. You will deal with us directly, we do all of the heavy lifting.

No waiting on Hold

Our Average hold time is less than 10 seconds. We spend hours on hold to the banks so you don't have to. This could have you hours of time.

Customer Success Stories
In Their Own Words


Greg and his team provided us with a first class service. It was good to have a professional service provided by a local business with a personal touch.

Alun Morgan

I'm so grateful for all your help the last few months, absolutely outstanding service, Greg always had time to answer any questions I had. I would highly recommend to anyone!

Laura Griffiths

I cannot thank bryony and Leanne enough for all there help dealing with my loan process .
Very quick responding to any questions or problems along the way.
Will definitely be using right loan wales again
Craig rutherford

Craig Rutherford

Bryony was so amazing, she kept us informed every step of the way. She was always so positive and helpful. She worked efficiently and effectively and was always able to be contacted. If she was busy she would ensure contact at her earliest convenience which was always the same day. From the start she spent the time to get to know our situation as individuals and not just another application. We Would 100% recommend. Thanks Bryony and team.

Jenna Newman

Bryony and the team at Right Loan Wales were very efficient, responsive and a joy to deal with throughout my dealings with them. I will be recommending them to any friends who need to raise finances.

Graham Brown

Bryony Davies of Right Loan Wales provided a most helpful and professional service throughout the application process. The whole team's advice and assistance made the experience very east to navigate form initial application to final offer. I would have no reservations in recommending this business to anyone seeking a loan of this nature.

Stephen Ball

Buying a house had always seemed unachievable for me, I had built it up to be something so out of reach in my mind I thought that it was something that would take years, if it happened at all! That all changed thanks to the amazing support of the guys at the Money Geeks - I approached them, expecting to be told that it wasn’t possible, and within a couple of weeks I had found my perfect house and had a mortgage offer! The whole process couldn’t have been easier for me (although I was as far away from an easy client as possible), and I can’t thank them enough for what they have done for me and my family! Thank you Greg and Ben! You are true experts - if anyone can make it happen for you, it’s these guys!

Cara Williams

From my first meeting with The Money Geeks, I was impressed with the level of professionalism and attention to detail. Their impartial expertise was second to none, and nothing was too much trouble. I will definitely use their services again! Thank you so much for supporting me from the initial advice all the way to completion and my insurances! Highly recommended!

Florence Walkey

Greg and his team at The Money Geeks were fantastic from start to finish. Greg dealt with our application personally and made what we felt was impossible, possible. We had seen mortgage advisors prior to seeing Greg and we felt we weren’t getting the right advise and guidance. As soon as I approached him he made an appointment with us and offered to call to the house making the whole experience feel slightly less formal and more comforting. He was instantly able to tell us what we needed to do and got us a mortgage offer within days. He has put up with endless nagging and nothing has ever been too much to ask. He was always at the other end of the phone if I needed him and very efficient. And as first time buyers I felt he spoke to us is in real terms helping us understand everything fully. We would highly recommend using The Money Geeks - the best service we could have asked for and money well spent.

Amy Cann


Get in touch now