Buy to let
Buy-to-let mortgages can be more complex than a residential mortgage, with different lending criteria for private landlords, limited companies and portfolio investors. We'll steer you through it.
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Buy-to-let isn't like a residential mortgage.
Buy to let mortgages can be more complex than a residential mortgage and lenders have different lending criteria due to the increased risk involved. Additionally, fees and interest rates may be higher for buy to let products. Lenders have specific mortgage products for both private and business landlords, with different lending criteria for both.
At Orwell Mortgages, we are here to help steer you through the Buy to Let process to make sure that you get the right buy to let mortgage that suits your needs or the needs of your business.
Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.
Standard buy-to-let mortgages
For private landlords with one or more properties
Limited company purchases
Specialist lenders for company-owned portfolios
HMO & portfolio landlords
Experience with multi-let and larger portfolios
Holiday let specialists
Including coastal all across Ipswich & Suffolk
Specialist advice for landlords and investors
Whether it's your first investment property or you're expanding an existing portfolio, we have access to specialist buy-to-let and holiday let mortgage products across Suffolk's coast and inland towns. Our advisors understand the nuances of landlord lending, from HMOs and multi-lets to holiday lets in Aldeburgh and Southwold.
Buy-to-let mortgages can be more complex than a residential mortgage: lenders assess rental income (often via a rental cover or "stress test" calculation) alongside your personal circumstances, and criteria can differ significantly between private individuals and limited companies. We'll explain which route suits you and find a mortgage that fits your needs, or the needs of your business.
Arranging a buy-to-let mortgage, in three steps
We assess your situation
Private landlord, limited company, or growing a portfolio, the right route differs for each.
We compare specialist lenders
Including HMO, holiday let and limited company products not always on the high street.
We arrange the mortgage
With ongoing support as your portfolio grows.
Mortgage calculator
Get an indicative view of your monthly repayments before your call, for guidance only.
This calculator provides an estimate only and is not a mortgage offer. The amount you can borrow will depend on your individual circumstances, credit history, and lender criteria. There may be a fee for arranging a mortgage — typically £299. Your home may be repossessed if you do not keep up repayments