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Buy to let mortgage

Whether you’re looking to purchase your first Buy to Let property, or simply adding to your portfolio, we can help ensure your investment is a success.

A Buy to Let mortgage is for buyers who intend to rent out their purchased property. This could be a house, a flat or commercial building.


Whether it’s your first investment, or an addition to your existing property portfolio, you want the best deal for your circumstances – and one that’s most likely to give you returns on your investment. As Buy to Let mortgage experts, we’ll work with you to find a lender that suits your needs.


We’ll explore your options in terms of deals, and take you through each step to help make the process of buying to let a smooth one.

Do I qualify for a Buy to Let mortgage?

As with any mortgage, you’ll have to meet specific lender criteria. As a rule of thumb you’ll usually qualify for a Buy to Let mortgage if:


  • You have a good credit history
  • You are over the age of 21
  • You ideally have an income of at least £25,000 per annum
  • You will not live in the property

How much deposit do I need?

As a Buy to Let mortgage can be seen as a slightly riskier prospect for some lenders, you will typically need at least a 25% deposit. This will depend on your circumstances, as in some cases lenders will accept 20%.

Want to find out more?

If you’re a current landlord, or your looking to start investing in the property market, we can help. Simply get in touch to speak to one of our experts.

Momentum Mortgages is proud to be a part of Embrace Financial Services .