Buying A Property to Rent (Buy to Let)

This can be a popular mortgage option for those wishing to invest in residential rental property. Although the perception is that buy to let mortgages are expensive, this isn’t necessarily correct. There are many lenders who offer competitive rates, which in many cases are generally similar to the rates offered on a standard mortgage.

Landlords also have a choice between interest only and repayment mortgages. Buy to let mortgages do differ in several ways from standard mortgages. When lenders are considering approving a buy to let loan, they generally base their decision on the likely rental income from the property and not necessarily the applicants’ income. A prospective landlord needs to be aware that the rental income typically needed is 125% of the mortgage repayment, although this can vary and go up to 130%.

With our expertise in this market, we can help you find the most suitable product to suit your requirements. With our extensive access to hundreds of mortgages and our knowledge of lender’s requirements, we can find you the most suitable buy-to-let mortgage.

Evergreen Mortgage Services do not advise or recommended the purchase of Buy to Let properties as investments, please be aware that the value of property can go down as well as up.

Some Buy to Let mortgages are NOT regulated by the Financial Conduct Authority.

Risk warning

  • Your property may be repossessed if you do not keep up repayments on your mortgage.

Request A Call Back




    Petru DragomanPetru Dragoman
    02:54 10 Oct 23
    Very keen team, I chose them from a friend recommendation.All mortgage process went smooth and I get profesional counselling fast and reliable. Never met someone keener and willing to help. They are the best.Thank you.
    Tony CavanaghTony Cavanagh
    18:41 29 Sep 23
    Lisa sourced us a mortgage five years ago. A great deal, a brilliant product with a very reasonable fee. She contacted me three months before our deal expired to alert us to potential increases in our new mortgage rate. Thanks to her expert efforts she got us a great fixed rate at a really good level of interest. This has saved us almost £100 per month over the next three years. Excellent, friendly professional service, thanks Lisa.
    Lisa HeyesLisa Heyes
    18:44 02 May 23
    Lisa and Andy were absolutely fabulous throughout the entire process. They communicate constantly and always strive to get the best deal. We would absolutely recommend them and wouldn’t hesitate to use them again if we ever needed to. Thank you both for making a stressful process a pleasure 😊
    Matthew CruikshankMatthew Cruikshank
    20:06 07 Apr 23
    We've used Lisa and Andy's services a few times now and each time, they always provide first class service. Lisa seems able to achieve the impossible in terms of mortgages and always makes herself available to provide advice and reassurance. We would use their services every time and would also recommend anyone else to use them as well. Thank you Lisa and Andy - we love our new home!
    Jennie MarenghiJennie Marenghi
    08:40 05 Jan 23
    I have worked with Lisa and Andy for about 8 years, they have helped me source residential and buy to let mortgages. They always come back to me when they say they will which is great as not many people do! They will talk through various options with you if you're not sure which way to go and always give good advice.
    Dean StarrDean Starr
    06:58 01 Jan 23
    Lisa and Andy have been helping me source mortgage finance for many years. They're very knowledgeable of the market, have great experience helping both investors and homeowners with sourcing mortgages and I've recommended them several times. Very clear with communication and very persistent on cases and following up. Highly recommend and look forward to continuing to work with them.
    Wendy RabinWendy Rabin
    19:26 21 Dec 22
    We have been a clients of Lisa for over 7 years. We have always found her and Andy to be the most well informed independent advisors who secure us the best deals for our circumstances, every time! They go through all the scenarios and discuss the options, so we can make informed choices. They have helped us with buy to let, as well as personal mortgages and life insurance cover. They take the time to get to know you so they understand your needs and they always go the extra mile. We have recommended them to our family and friends and would say to anyone looking for a mortgage, " We recommend them unreservedly".
    Alexander ArchonAlexander Archon
    11:45 21 Dec 22
    Over the past few years, Lisa and her team have helped me successfully obtain mortgages for several of my properties. When I've hit roadblocks with trying to get a standard mortgage through my personal bank because I don't meet certain criteria due to personal circumstances, Lisa managed to provide several options having found multiple lenders that I could suitably proceed with. Communication was great, as I would get regular updates via email/phone so I knew exactly where we were in the application process and what to expect. Throughout the whole process I felt I was in safe hands. Her services come highly recommended.
    js_loader