Buy to Let Mortgages : Grow Your Property Portfolio with Confidence
Together we’ll build your property portfolio
We have a team that specialises in buy-to-let mortgages and securing you the best rates available – they know all about the current regulations and how each lender ‘stress tests’ your portfolio.
1. Overview
A buy-to-let mortgage allows current or prospective landlords to purchase a property specifically for renting it out. With careful guidance, this can boost your income, build equity, and expand your portfolio – but it does require navigating stricter criteria and tax changes since recent reforms
2. What Can I Borrow ?
Borrowing is based on rental income rather than your salary. Most lenders require that rental income covers around 125%–145% of the mortgage interest at a stressed rate (e.g. ~5.5%), varying by property type and how it’s owned
3. Which Buy-to-Let Mortgage is Right for Me ?
Your choice depends on whether you’re after long-term capital growth or steady income. Whether it’s fixed-rate, interest-only, or specialist HMO financing, our brokers will tailor recommendations to your objectives
4. First-Time Landlord? Here’s What You Need to Know
- Deposit: Typically 15–25% (sometimes as low as 15%)
- Age & Status: Lenders usually accept applicants 21–75, with some requiring experience for HMOs or holiday lets
- Rental Income Assessment: Affordability is based on rental yield not just salary
- Documentation: Bank statements, proof of ID, income (payslips/SA302), and debt records – plus landlord experience if applicable
5. Hidden Costs to Factor In
- EPC, gas safety checks, electrical safety checks, smoke/CO alarms
- Letting agent fees, landlord insurance, maintenance, repairs, licences
- Legal and conveyancing fees
6. What’s Changed in Buy-to-Let Lending ?
Recent changes have tightened underwriting rules, especially for portfolio landlords (with 4+ properties), including more demanding finance history and stress-testing Despite this, a strong market remains, with competitive rates and brokers offering specialist solutions
7. Building a Portfolio
- Monitor rental income, property costs, cash flow, and growth
- Keep balanced leverage – avoid over-borrowing via multiple properties
- Decide early whether to self-manage or appoint agents – letting agents can save time as you scale
8. Why Choose Empreso ?
- Specialist BTL brokers: We offer expert guidance and access to exclusive deals
- Portfolio experience: Advising clients on single investments and larger property portfolios (including HMOs and limited companies)
- End-to-end support: From finance planning and lender sourcing to completion and beyond
9. Resources
- Rental income vs affordability calculator
- First-time landlord checklist
- Guide to portfolio lending and stress-testing
✅ Next Steps
- Book a free “Clarity to Prosperity™” Review with an Empreso advisor
- Gather your documents (income, ID, bank statements, credit file)
- Start your journey to property income and portfolio growth with confidence