Buy-to-Let
Explore buy-to-let optionsSpeak to an adviser
Your home may be repossessed if you do not keep up repayments on your mortgage.
What You Get
Invest in property with clarity.
- Clear guidance on rental calculations
We explain the numbers behind affordability and yield in simple, confident terms. - Insight into interest-only vs repayment
We outline the pros, cons and long-term impacts so you can choose what fits your strategy. - Access to specialist landlord lenders
We open up the full market, including lenders built for investors. - End-to-end application management
We handle the process, lenders and paperwork, keeping your investment move seamless.
The Areti Way
Start your journey
Whether you’re buying your first rental, adding to your portfolio or needing to refinance, we’ll help you secure a buy-to-let mortgage with confidence.
Frequently asked questions
How much deposit do I need for buy-to-let?
Typically at least 20–25% of the property value, though some lenders require more depending on rental income, property type, and your personal circumstances.
How do lenders decide how much I can borrow?
BTL affordability is based mainly on rental stress tests — meaning the expected rent needs to cover the mortgage payment plus a safety buffer. Your personal income, tax status, and experience as a landlord may also play a part.
Should I buy in my personal name or through a limited company?
There’s no one-size-fits-all answer. Limited companies can offer tax advantages for some investors, but running one comes with costs and responsibilities.
What types of buy-to-let mortgages are available?
Interest-only mortgages are most common because they maximise cashflow. Repayment mortgages are also available if you prefer to pay down the debt over time.
What costs should I expect when buying a buy-to-let?
Expect a deposit, Stamp Duty (including the additional 5% surcharge), solicitor fees, mortgage fees, valuation fees, and ongoing landlord costs such as maintenance, insurance, void periods, and tax.
Can I let the property as an Airbnb or short-term rental?
Only if the lender allows it. Most BTL mortgages are for standard AST lettings. Short-term lets require specific mortgage products and local authority permissions.
Where can I get more information?
Either give us a call, or check out our Buy-to-Let Essentials article in the blog section.
