For many prospective landlords, an 80% loan-to-value (LTV) mortgage will be the highest LTV deal they can apply for. While there are fewer deals available than for an ordinary mortgage, you’ve still got options, with the best deals available typically having the ideal combination of a low rate, competitive fees and useful incentives.
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Most Buy-To-Let mortgages are not regulated by the Financial Conduct Authority (FCA). Whether a Buy-To-Let mortgage is regulated depends on your personal circumstances. The above information assumes that FCA regulation does not apply to the mortgage products shown.
DisclaimerYOUR BUY-TO-LET PROPERTY MAY BE REPOSSESSED IF YOU FAIL TO KEEP UP REPAYMENTS ON ANY MORTGAGE SECURED ON IT. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.
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A mortgage broker specialises in finding mortgage lenders who will meet your needs for a mortgage. They do this by providing you with advice and recommending the mortgages most suitable for you. They will then manage completing your mortgage application.
Should I use a mortgage broker?
Our guide to help with those first steps to becoming a buy to let landlord.
Our guide to the different types of income you can use when applying for a mortgage.
A guide to the changes in rules for buy to let portfolios.
As with all our mortgage comparison tables, you’ll find that the top section is filled with great offers from providers where you can click through directly to their website to apply there and then. These are highlighted by the ‘Go To Provider’s Site’ button. Below these are the other buy-to-let 80% LTV mortgage products, listed by interest rate. However, you’re also free to refine your search results using the filters above the chart, or you can untick the relevant box to be presented with the deals offering the lowest rate first, regardless of whether they have a provider click.
As with other mortgage products, the golden rule is not to immediately opt for the deal offering the lowest interest rates. While this is a good indicator of a cost-effective buy-to-let mortgage – as a lower interest rate typically means cheaper repayments – it’s just one of the aspects you should be considering in any deal. Many mortgages carry a product fee in one form or another, while at the same time offering additional benefits to tempt you onto their deal, so you’ll want to consider all aspects of a mortgage deal carefully to find the best option for you, and make sure to compare these using our tables for maximum clarity.
Before you apply for a buy to let mortgage it's important to check your credit score.
