Buy to Let Mortgages – Invest with Confidence
Whether you’re purchasing your first rental property or growing a portfolio, we’ll help you secure the right buy to let mortgage for your goals. At Crane Financial, we work with lenders across the UK who understand landlords – including specialist deals for portfolio landlords and limited company structures.
Some forms of Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
Access to exclusive Buy to Let deals from 90+ Lenders
– More choice, better deals.
Buy to Let Mortgage Advice
Property investment is different to buying a home to live in — from deposits to rental yield tests, you’ll face unique requirements. We’ll guide you through every stage and ensure your mortgage is structured to maximise your returns.
We can help you with:
- First-time landlord support.
- Portfolio landlord and HMO mortgages.
- Limited company buy to let structures.
- Understanding stress tests and rental yield requirements.
- Full application management from start to completion.
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This information is a guide only and should not be relied on as a recommendation or advice that any particular Mortgage product is suitable for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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The Buy to Let Journey
Your path to property investment, simplified:
- Chat with Us – A free initial consultation to understand your plans.
- Find the Right Deal – We compare lenders who support landlords across the UK.
- Apply with Confidence – We handle the paperwork and liaise with underwriters.
- Grow Your Portfolio – Secure your property and move forward with confidence.
+1 (800) 555 555
What Our Clients Say
Frequently Asked Questions
Yes – we work with a wide range of lenders, from high street banks to niche providers offering HMOs, holiday lets, and portfolio landlord mortgages.
Tip: A broker gives you access to specialist landlord lenders not always available direct.
No – buy to let mortgages are for rental properties only. If you plan to live there, you’ll need a residential mortgage.
Tip: Switching between residential and buy to let mortgages is possible — we’ll guide you on the best route.
Lenders check rental income covers the mortgage at a stressed interest rate, usually 125–145% of monthly payments.
Tip: The stronger the rental yield, the more you may be able to borrow.
Most lenders base affordability on expected rental income, but some require a minimum personal income (often around £25,000).
Tip: We’ll help you find lenders with flexible criteria if your income is lower.
Yes – many landlords now use limited company structures for tax efficiency. We work with UK lenders who specialise in Ltd company buy to let mortgages.
Tip: This option can be tax-efficient but needs the right setup — always seek advice first.
Most lenders require at least a 25% deposit. Some allow lower, but better rates are available with 25–40%.
Tip: A higher deposit often unlocks more competitive landlord mortgage rates.