Buy to Let Mortgage

What Is a Buy-to-Let Mortgage?

A Buy-to-Let (BTL) mortgage is a loan specifically designed for individuals purchasing a property they plan to rent out to tenants, rather than live in themselves. It’s a core tool for property investors — whether you’re building a portfolio or buying your first rental property.

How BTL Mortgages Differ from Residential Loans:

• Lending is based on rental income, not just personal earnings

• Often interest-only, keeping monthly repayments lower

• Typically require larger deposits (usually 20–25%)

• Limited company and personal name options available

• Interest rates and fees vary based on experience and property type

Why It Matters

Rental property can be a powerful way to generate income and build long-term wealth — but without the right mortgage advice, investors risk overpaying, choosing inefficient structures, or missing lending criteria.

Expert BTL advice helps you:

• Maximise borrowing based on rental yields

• Understand personal vs limited company ownership

• Optimise tax efficiency through mortgage structuring

• Avoid rejected applications due to niche lender requirements

• Align your property financing with long-term investment goals

Who Is This For?

Buy-to-Let mortgage advice is ideal for:

• First-time landlords buying their first rental

• Experienced investors expanding portfolios

• Overseas investors or UK expats investing remotely

• Limited company landlords (SPV setups)

• Individuals remortgaging existing rental properties

• Self-employed applicants with non-standard income

Whether your focus is passive income, capital growth, or retirement planning — the right BTL mortgage is key to your strategy.

How Does the Process Work?

At Matwill Capital, we help investors navigate the buy-to-let market with precision:

1. Property & Ownership Assessment
   We review your property goals, expected rental income, deposit level, and whether personal or limited company ownership is better for your needs.

2. Lender Match & Strategy
   We match you with lenders who suit your experience level, property type (e.g. flat, HMO), and income structure — including those accepting non-UK applicants.

3. Affordability Calculation
   We run rental stress tests based on lender criteria to determine your maximum borrowing potential — and advise on adjustments if needed.

4. Application Submission & Support
   We prepare and submit your application, communicate with the lender, and assist with valuation, legal checks, and timing.

5. Ongoing Portfolio Support
   As your portfolio grows, we assist with remortgages, new purchases, and refinancing — keeping your strategy efficient.

Client Success Story

Maximising Leverage with Limited Company Structure

James, a contractor with fluctuating income, wanted to invest in a £400K flat in Manchester but was unsure whether to buy personally or via a limited company.

Matwill Capital helped him:

• Understand tax implications and long-term yield under both structures

• Set up an SPV limited company

• Secure a 75% LTV BTL mortgage with a competitive 5-year fixed rate

• Reduce his exposure to higher-rate tax on rental profits

“I was worried about tax and income structure. Matwill broke down the numbers clearly and made the lender process feel easy.”
— James C., Manchester

Frequently Asked Questions

How much deposit do I need for a BTL mortgage?
Most lenders require 20–25%. A higher deposit often secures better rates.

Can I get a BTL mortgage if I don’t own a residential property?
Yes, though options may be limited. We work with lenders who accept first-time landlords — even if you’re renting yourself.

Is it better to buy in my own name or through a company?
It depends on your tax position, long-term plans, and number of properties. We’ll help you compare both paths.

Can I use expected rental income to qualify?
Yes — BTL mortgages are typically based on expected rental income, not personal salary. A minimum income threshold may still apply.

Do you offer BTL options for expats or overseas buyers?
Yes. We work with lenders open to expats, non-residents, and foreign nationals — including limited company structures.

Why Choose Matwill Capital?

• Whole-of-market access — including BTL-specialist lenders

• Advice on personal vs SPV limited company structure

• Support for UK residents, expats, and international investors

• Experience with HMO, new builds, flats above commercial, and more

• FCA-authorised, tax-aware, and focused on long-term investor needs

Ready to Fund Your Project?

Build Your Portfolio on Solid Ground.
Whether it’s your first rental or your tenth, we’ll help you structure it right — for better cash flow, less risk, and long-term results.