Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
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Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Buy to let mortgages are designed for people who want to purchase a property to rent out rather than live in themselves. Whether you’re becoming a landlord for the first time, expanding an existing property portfolio, or investing through a limited company, choosing the right mortgage is essential to the long-term success of your investment.
Your home / property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Discover how much you can afford to borrow.
Last Updated: 9th July 2026
At ABC Mortgages, we provide expert advice on buy to let mortgages across Kent, helping landlords and property investors secure mortgage solutions that suit their goals.
With access to a wide range of lenders and a thorough understanding of the buy-to-let market, we guide you through every stage of the process, making your investment journey as straightforward as possible.
A buy to let mortgage is specifically designed for purchasing a residential property that will be rented to tenants. While they share similarities with residential mortgages, lenders assess buy-to-let applications differently, placing greater emphasis on the property’s expected rental income alongside your financial circumstances.
There is no one-size-fits-all approach to buy to let mortgages. The most suitable mortgage will depend on factors such as your investment strategy, deposit, experience as a landlord, and whether you are purchasing personally or through a limited company. Professional advice can help ensure you choose a mortgage that supports both your immediate plans and your long-term investment objectives.
Buy to let mortgages are available to a wide range of applicants. Many first-time landlords successfully purchase their first investment property, while experienced investors often use buy-to-let finance to expand their portfolios. Some borrowers purchase properties in their own name, while others choose to invest through a limited company depending on their circumstances and financial objectives.
Lenders will consider a range of factors when assessing an application, including your income, existing financial commitments, credit history, property value, and anticipated rental income. Criteria vary significantly between lenders, making it important to identify those whose requirements best match your circumstances.
Unlike residential mortgages, buy to let mortgages are assessed primarily on the rental income that the property is expected to generate. Lenders will typically require the anticipated monthly rent to exceed the mortgage payments by a specified percentage, providing reassurance that the property can comfortably support the borrowing.
Many landlords choose interest-only buy to let mortgages because they provide lower monthly payments and maximise rental income during the mortgage term. Others prefer repayment mortgages to gradually reduce the outstanding balance and build equity over time. The right option depends on your investment strategy, financial goals, and future plans for the property.
Every lender has its own affordability calculations, rental stress tests, and lending criteria. Working with an experienced mortgage adviser can help ensure you approach lenders that are best suited to your circumstances.
The deposit required for a buy to let mortgage will depend on the lender, the property, and your individual circumstances. In general, larger deposits provide access to a wider range of mortgage products and more competitive interest rates.
Your loan-to-value ratio is an important consideration, as it influences both lender appetite and pricing. While minimum deposit requirements vary, increasing your deposit can often improve the range of products available and reduce your monthly borrowing costs over the life of the mortgage.
Selecting the right buy to let mortgage involves much more than simply comparing interest rates. It is important to consider the type of mortgage, the length of any fixed-rate period, lender fees, flexibility, and whether the mortgage aligns with your long-term investment plans.
For some landlords, securing a competitive fixed-rate mortgage provides valuable certainty over monthly payments. Others may prefer greater flexibility if they expect to refinance or expand their portfolio in the future. Every investment strategy is different, which is why personalised advice is so important.
No two property investors are the same, and neither are their mortgage requirements. First-time landlords often require guidance through the buying process and lender criteria, while experienced investors may be focused on growing an established portfolio or improving the performance of existing properties.
We also advise portfolio landlords managing multiple rental properties, as well as investors purchasing higher-value properties or considering more specialist lending arrangements. Whatever stage you are at in your property investment journey, we can help identify mortgage solutions that support your plans both now and in the future.
Many landlords focus solely on securing the lowest interest rate, but this is only one part of the overall picture. Mortgage fees, flexibility, rental calculations, future refinancing opportunities, and lender criteria should all be considered before making a decision.
Another common mistake is approaching a lender without first understanding whether their lending criteria match your circumstances. Every lender has different requirements, and choosing the wrong one can lead to unnecessary delays or declined applications. Seeking professional advice from the outset can help avoid these issues and ensure your application is presented effectively.
At ABC Mortgages, we provide expert advice on buy to let mortgages in Kent, supporting landlords and property investors across Sittingbourne, Maidstone, Canterbury, Medway, Sheerness, Ashford, and the surrounding areas. Whether you are purchasing your first rental property or expanding an established portfolio, we provide clear guidance tailored to your circumstances.
Our advisers understand both the local property market and the lending criteria used by buy-to-let lenders, allowing us to recommend mortgage solutions that are aligned with your investment objectives.
Choosing the right buy to let mortgage can have a significant impact on the profitability of your investment, which is why professional advice is invaluable. At ABC Mortgages, we work closely with landlords and property investors to understand their goals before recommending suitable mortgage solutions.
With access to a wide range of lenders, straightforward advice, and support throughout the mortgage process, we aim to make property investment as simple and stress-free as possible. Whether you are a first-time landlord or an experienced investor, we are here to help you make informed decisions with confidence.
A buy to let mortgage is designed for purchasing a property that will be rented to tenants rather than occupied by the owner.
Deposit requirements vary between lenders, although larger deposits often provide access to more competitive mortgage products.
Yes. Many lenders offer buy to let mortgages to first-time landlords, subject to their lending criteria.
Many landlords choose interest-only mortgages, although repayment options are also available.
Yes. Many lenders offer buy to let mortgages for limited company landlords, although criteria differ between lenders.
Yes. Many landlords remortgage their buy to let properties to secure a better interest rate, release equity, or restructure their portfolio.
Whether you’re purchasing your first investment property or expanding an established portfolio, ABC Mortgages is here to help. We provide tailored advice, access to a wide range of lenders, and support throughout every stage of the mortgage process.
Contact ABC Mortgages today to discuss your buy to let mortgage options and take the next step in your property investment journey.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
ABC Mortgages Ltd trading as ABC Mortgages are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
ABC Mortgages Ltd are registered in England and Wales. Registered No:13184891. Registered OƯice: Suite 103, St Georges Business Park, Castle Road, Sittingbourne, Kent, England, ME10 3TB.
