Buy-to-Let/Investment

Professional mortgage advice for property investors

Buy-to-let property investment

Investment Property Mortgages

Mortgage Advice you can rely on...

Whether you are an experienced investor or a first-time landlord, Gascoine Hoare can advise you on the most suitable option for your particular situation.

These types of mortgage do require specialist advice, something that we can offer, whether it's information on deposit sizes or complicated rental calculations.

You may be looking to add to your portfolio, starting with your first property or simply wanting to keep your existing property whilst moving to new property. In all these scenarios, there's a deal out there for you – let Gascoine Hoare find it for you.

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Important Information

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

Mortgage cost calculator

Enter the amount, the interest rate you have been quoted and the term, to see what the monthly cost would be.

The rate you have been quoted or are comparing. We do not suggest one.

Fill in all three boxes to see the monthly cost.

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.

Investment Scenarios We Help With

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First Investment

Starting your property investment journey with your first buy-to-let property.

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Portfolio Expansion

Adding properties to your existing investment portfolio for growth.

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Retain & Move

Keeping your current home as rental when moving to a new property.

Types of Buy-to-Let Investment

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Residential BTL

Traditional residential properties for long-term rental income and capital growth.

  • Stable rental income
  • Long-term capital appreciation
  • Wide lender choice
  • Lower deposit requirements
Typical Deposit: 25-40%
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HMO (Houses in Multiple Occupation)

Properties with multiple tenants offering higher yields but requiring specialist management.

  • Higher rental yields
  • Multiple income streams
  • Specialist licensing required
  • Enhanced management needed
Typical Deposit: 30-40%
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Commercial to Residential

Converting commercial properties to residential for rental purposes.

  • Value-add opportunities
  • Planning permission required
  • Higher potential returns
  • Specialist financing needed
Typical Deposit: 35-50%
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Short-Term Lets

Properties for holiday lets or short-term rental platforms like Airbnb.

  • Higher daily rates
  • Seasonal income variation
  • Active management required
  • Specialist insurance needed
Typical Deposit: 25-40%

Our BTL Mortgage Process

1

Investment Strategy Review

Understand your investment goals, experience level, and financial capacity.

2

Rental Assessment

Evaluate rental potential and calculate yield requirements for lending criteria.

3

Lender Matching

Find specialist BTL lenders that match your property type and circumstances.

4

Application & Valuation

Submit application and coordinate property valuation with rental assessment.

5

Completion & Beyond

Complete the purchase and provide ongoing support for your investment.

Key BTL Considerations

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Rental Coverage

Most lenders require rental income to be 125-145% of mortgage payments to ensure coverage for voids and maintenance.

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Tax Implications

Consider income tax on rental profits, capital gains tax on sale, and recent changes to mortgage interest relief.

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Property Management

Factor in costs and time for property management, maintenance, void periods, and tenant finding.

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Legal Requirements

Understand landlord responsibilities including safety certificates, deposit protection, and tenancy agreements.