Buy - To - Let

Our Methods

The Best Way We Solve Hardest Problems

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Plan Ahead

Your mortgage should fit your future plans, not just today.

Get Expert Guidance

Personalised advice ensures you choose the right deal with confidence.

Get expert guidance to find the right buy to let mortgage

Whether you are investing for the first time or expanding an existing portfolio, we are here to help you secure a buy to let mortgage that supports your goals as a landlord. With clear advice and access to a wide range of lenders, we make the process straightforward and transparent.

Buy to let mortgages often include interest only options, which can help keep monthly payments lower. It is important to understand that the full loan balance will still need to be repaid at the end of the term. Lenders will also assess affordability by checking that your expected rental income covers around 125 percent of your monthly mortgage payments, although this can vary depending on the lender and your circumstances.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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Tailored service

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Available insurers

FAQ's

Frequently Asked Questions

1. What is a buy-to-let mortgage?

A buy-to-let mortgage is designed for people who want to purchase a property to rent out to tenants. It works differently from a standard residential mortgage, with lenders assessing rental income as well as your personal finances.

2. Who are buy-to-let mortgages for?

They are suitable for anyone looking to become a landlord — whether you're a first-time investor or building an existing portfolio.

3. Are buy-to-let mortgages different from other mortgage types?

Yes. They typically have different affordability checks, higher deposit requirements, and often offer interest-only repayment options.

4. How much can I borrow for a buy-to-let mortgage?

The amount depends on the rental income the property can generate. Most lenders require the rent to cover around 125%–145% of the monthly mortgage payment.

5. Can I get a buy-to-let mortgage for the home I live in?

No. Buy-to-let mortgages are only for properties you intend to rent out. Your own home must be financed with a standard residential mortgage.

6. How many buy-to-let mortgages can I have?

There’s no fixed limit, but each application will be assessed individually. Your income, existing mortgages, and rental coverage will determine how many you can take on.

Kingston Mortgage Services Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Kingston Mortgage Services Ltd is registered in England and Wales. Registered Office: Ashley House, 136 -138 The Broadway, Tolworth, Surrey, KT6 7JD Registration No. 05628948.

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