Invest in Property with Confidence
Unlock the best Buy-to-Let mortgage deals with Ellmira Financial. Whether you’re a first-time landlord or an experienced investor, we’ll find the right mortgage for your goals.
What is a Buy-to-Let Mortgage?
A Buy-to-Let mortgage is designed for individuals looking to purchase property as an investment to rent out. Unlike standard residential mortgages, Buy-to-Let mortgages have unique requirements, rates, and lending criteria.
At Ellmira Financial, we specialize in helping landlords and investors secure competitive Buy-to-Let mortgages. Whether you’re growing your property portfolio or refinancing an existing investment, we’ll guide you every step of the way.
Is a Buy-to-Let Mortgage Right for You?
You could be eligible for a Buy-to-Let mortgage if:
You are buying property as an investment to rent out.
You have a good credit history and can meet the lender’s affordability criteria.
Your expected rental income will cover at least 125%-145% of the mortgage repayments.
You are a homeowner or have experience as a landlord (in most cases).
Not sure if you qualify? Speak to our advisors — we’ll assess your circumstances and help you explore the options.
Why Work with Ellmira Financial?
When it comes to Buy-to-Let mortgages, working with the right broker makes all the difference. Here’s why property investors trust Ellmira Financial:
Access to the Whole Market
We source Buy-to-Let deals from a wide range of lenders, including exclusive offers not available on the high street.
Tailored Investment Solutions
Whether you’re a first-time landlord or an experienced investor, we’ll tailor the mortgage to fit your property strategy.
Expert Guidance
Our mortgage advisors have extensive knowledge of the Buy-to-Let market and lending criteria.
Save Time and Money
We handle the legwork, ensuring you get the most competitive mortgage rates while saving you valuable time.
Support for Complex Cases
We help clients with unique situations, including portfolio landlords, limited company applications, and ex-pats investing in UK properties.
Our Buy-to-Let Mortgage Options
We provide tailored mortgage options to suit every landlord’s needs:
Interest-Only Mortgages
Lower monthly payments as you only pay the interest. Ideal for investors looking to maximize cash flow.
Repayment Mortgages
Gradually pay off both interest and capital, ensuring you own the property outright at the end of the term.
Limited Company Mortgages
Specialized mortgages for landlords purchasing property through a limited company.
Portfolio Landlord Mortgages
Designed for landlords managing multiple properties within a growing portfolio.
Our advisors will explain each option and help you decide which strategy aligns with your financial goals.
How Buy-to-Let Lending Works
Lenders typically calculate how much you can borrow based on your expected rental income and other factors:
Your rental income must usually cover 125%-145% of the mortgage repayments.
Your deposit will typically need to be at least 25% of the property value.
We’ll work with you to determine your borrowing power and find the best mortgage deal for your property investment.
Your Questions Answered
What’s the minimum deposit for a Buy-to-Let mortgage?
Most lenders require a deposit of at least 25%, but this can vary depending on your financial situation and lender requirements.
Can I get a Buy-to-Let mortgage if I’m a first-time buyer?
Yes, but the process may be more challenging. Speak to our team to explore your options.
Can I apply for a Buy-to-Let mortgage through a limited company?
Yes. Many landlords now purchase property through limited companies for tax benefits. We can help you secure the right mortgage.
What is the typical interest rate on a Buy-to-Let mortgage?
Interest rates vary based on lender criteria, deposit size, and market conditions. We’ll help you find the most competitive rates.
Start Your Property Investment Journey Today
Whether you’re buying your first rental property or expanding your portfolio, Ellmira Financial is here to help.
Speak to our Buy-to-Let mortgage experts and find the perfect mortgage to meet your investment goals.