What Is a Buy to Let Mortgage?
A buy-to-let mortgage is designed for properties purchased specifically to rent out rather than to live in. Lenders assess these mortgages differently, focusing on:
Expected rental income
The estimated monthly rent the property can generate, used by lenders to assess affordability.
Loan-to-value (LTV) ratio
The percentage of the property value you want to borrow compared to your deposit.
Financial & Landlord Profile
our income, credit history, and experience managing residential or buy-to-let rental properties.
Buy to Let Mortgage Advice from Trident Finance
Investing in property can be a powerful way to build long term wealth but choosing the right buy to let mortgage* is crucial. At Trident Finance we provide clear and strategic advice to help landlords and property investors secure competitive deals that support both rental income and future growth.
Whether you’re a first-time landlord or expanding an existing portfolio, our experienced advisers guide you through every step with confidence and clarity.
*You will have to pay the following taxes – Income Tax, Stamp Duty (when you buy your property) and Capital Gains Tax (when you sell it). There may also be a liability to inheritance tax when you die.
Our Buy To Let Mortgage services
First-Time Landlords
Guidance on lender criteria, rental yield, and setup costs for a confident start.
Portfolio Landlords
Tailored solutions focused on portfolio performance and long-term growth.
Limited Company BTL
Advice on specialist lenders and tax-efficient company structures.
Why Choose Trident Finance?
Expert, Independent Advice
We search the market to find buy-to-let mortgage options that align with your goals—not just what’s easiest to arrange.
Clear, Straightforward Process
No jargon. No confusion. Just honest advice and step-by-step guidance from enquiry to completion.
Tailored Investment Strategy
We look beyond the mortgage rate, considering rental yield, affordability, and long-term return on investment.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Frequently asked questions
Most lenders require a minimum 25% deposit, though this can vary depending on the property and rental income.
Lenders typically assess affordability based on expected rental income, not just your personal salary.
Yes, some lenders allow it, and we’ll help identify the best options for your situation.
Start your home purchase journey today. Expert advice on mortgages, lenders, and options. We handle the paperwork and liaise with lenders. Guiding you every step of the way. Secure your dream home with confidence and ease.
