Evaluate: How to find buy-to-let mortgages

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The majority of property investors purchase a buy-to-let property will do so using a mortgage, typically covering 50% - 80% of the property's value.

PropertyData's Finance Finder tool includes a database of buy-to-let mortgages and current rates, for both individual and company borrowers.

Click the Finance Finder in the Evaluate menu, and select Buy-to-let mortgages:

You need seven pieces of information to get started:

  • Select whether the borrower is an individual or limited company
  • The property's value
  • The deposit
  • Loan term in years
  • Loan amount (automatically calculated based on value/deposit)
  • LTV % (also automatically calculated)
  • Select whether you will repay capital & interest monthly, or interest only

The maximum LTV % is most often 75% for buy-to-let lenders – occasionally 80% is available.

Once you've entered all the information, click 'View finance options' and the results table will show shortly:

The list of lenders shown has been filtered to ensure they offer mortgages meting your criteria.

The table shows headline interest rate and calculated monthly payment, as well as one-off fees at the beginning of the mortgage.

Remember, the exact interest rate the lender will offer you will depend on your circumstances.

Click 'Check eligibility' if you'd like a dedicated advisor from our partner b2bfinance.com to help you investigate the right finance options for you.

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