Mortgages for Personal Name BTL Purchase

Buying a property to rent out in your own name means a different kind of mortgage. Buy-to-let lending is built around the rental income the property will generate, not just your personal earnings, with lenders stress-testing whether the rent can comfortably cover the payments at higher interest rates.

Our mortgage advisers compare personal-name buy-to-let deals across the whole market, from high-street names to specialist BTL lenders, and help you get the structure right from day one: repayment type, loan-to-value, rental coverage, and how this purchase fits your wider portfolio plans.

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Landlord purchase mortgages by deposit size

Your deposit, and the rental coverage the property can support, sets your loan-to-value (LTV), which drives the rates available to you. Use the tabs below to compare today's lowest true-cost personal-name buy-to-let deals across different deposit sizes.

These tables show illustrative best-buy deals for a typical personal-name buy-to-let purchase. Your own rate and options depend on the property, the rent achievable, and your circumstances. Speak to a mortgage adviser for a personalised comparison.

Explore our landlord purchase resources

From rental coverage calculations to structuring your first purchase and growing a portfolio, we've pulled together everything you need in one place.

Buy-to-Let Purchase Guides for Landlords

Browse our buy-to-let purchase guides: rental income assessment, stress tests, deposits and loan-to-value, company versus personal ownership, and first-time landlord applications.

How our landlord purchase mortgage service works

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Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.

Our buy-to-let mortgage lenders

These lenders offer buy-to-let mortgages. For your purchase, we compare rental coverage requirements, property criteria and available products against your investment plans.

56+ lenders

Ready to talk through your buy-to-let purchase?

Tell us about the property and your plans, and one of our mortgage advisers will come back with clear, no-pressure guidance on your next steps, whether that's your first buy-to-let, an addition to an existing portfolio, or somewhere in between.