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First Choice Finance - Mortgage BrokerCompare Home Owner Loans

What Is A Buy To Let Mortgage

What Is A Buy To Let Mortgage

Find Buy To Let Mortgage Plans
Specialists in Buy To Let Mortgages
Get a quick decision in principle and a free quote.


By choosing First Choice Finance we can offer access to a range of lenders, enabling you to find a buy to let mortgage or remortgage to match your specific circumstances.

Whether you`re just starting out or are a landlord with an existing property portfolio this site is designed to help you. You can use our buy to let mortgage calculator to get a quick quote, watch informative videos about the buy to let market and read the relevant resources on our site that interest you.

Once you`re ready to get your no obligation buy to let mortgage or remortgage quote, complete the short application form and one of our experienced underwriters will call you to discuss your enquiry further.

First Choice Finance is experienced in providing solutions for people in a wide variety of circumstances, so whether you have had credit issues in the past or not, we will aim to find the best product for your circumstances from our panel of lenders.

Please note: we do not charge any upfront fees, all quotations are provided free of charge and without obligation.

First Time Buy to Let

You are considering the purchase of a property which you intend to rent out. The number of first time buyers becoming landlords is rising.

Landlord Mortgages

Buy To Let Mortgage plans for landlords with a portfolio of properties and wish to arrange a mortgage to buy an additional property in order to expand.

Buy to Let Remortgages

You wish to remortgage a property to raise additional cash for renovations, debt consolidation or for any other purpose.

Buy to Let Purchase Mortgages

If you are interested in buying a property to rent out here are some things you may wish to consider:

  • Who you intend to rent the property out to
  • The area the property is in
  • The condition of the property
  • The amount of rent projected for the property

Buying a rental property is a major decision and should not be entered into without looking at the risks involved as well as the benefits.

The amount of rent that landlords charge can exceed the amount of mortgage repayments. This additional amount could be used to maintain and refurbish the property, or be retained as profit.

Buy to Let Remortgages

Many people choose to remortgage their existing property for reasons such as:

  • For a lower rate, possibly saving money
  • To raise money for renovations
  • Debt consolidation to ease cash flow
  • Raise capital for a one off purchase

If you already have a mortgage on a buy to let property, remortgaging is one way you can free up equity in order to increase and improve your portfolio.

Rental income may be enough to cover mortgage repayments and any excess could be used to improve your properties, possibly justifying a higher level of rent.

Buy To Let Mortgage Calculator

Use the online tools to calculate the cost of buy to let mortgage plans, as well as a lTV calculator to calculate what Loan to value your buy to let property is set as.

Mortgages & Remortgages
4.5% APRC
Representative Example: Borrow £80,000 over 25 years At 4.6% Variable, £461.95 for 300 months.
Total Payable £138,585. Total Cost Of Credit £58,585 (incl £1360 fee)
Security is required on immovable property.

Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home

First Choice Finance is a trading style of First Choice Funding Limited of The Old Courtyard, 103 Buxton Road, High Lane, Stockport, Cheshire. SK6 8DX. Copyright protected 2014-2018.

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