Buy-To-Let

Whether you’re ready to step into the world of property investment or are already an experienced landlord, our expert Mortgage Advisers are here to support you every step of the way. With years of experience helping Buy-to-Let clients, Mustard Mortgages is the mortgage team you can trust to meet your needs.

What Is a Buy-to-Let Mortgage?
A Buy-to-Let (BTL) mortgage is essential if you own—or plan to own—a property that you’ll rent out to tenants. Just like residential mortgages, there are plenty of options available for landlords, including repayment and interest-only plans. Lenders base their decisions on rental income calculations, so it’s important to demonstrate that the expected rent will sufficiently cover the mortgage value.

What Fees Should You Expect for a Buy-to-Let Property?
Here are some common costs to plan for when purchasing or remortgaging a Buy-to-Let property:

Legal FeesMortgage Lender Fees

Valuation/Surveyor Fees

Mortgage Broker FeeStamp Duty

Why Use a Mortgage Broker for Your Buy-to-Let Needs?
The Buy-to-Let market has evolved significantly in recent years. With more specialist lenders emerging, many of the best deals are only available through mortgage brokers. This is especially important if you’re a portfolio landlord (typically with 4 or more Buy-to-Let properties), as stricter regulations have made this a highly specialised area.Here’s how we can help:We’ll search the entire market to find the best lender for your needs.We’ll handle all the paperwork, saving you time and effort.We’ll help you manage your portfolio, ensuring you never roll onto a Standard Variable Rate (SVR), which could leave you paying more interest than necessary.