{"id":1358,"date":"2024-06-03T00:00:00","date_gmt":"2024-06-03T00:00:00","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/\/knowledge\/landlord-tax\/buy-to-let-mortgage-rates-explained\/"},"modified":"2025-05-22T13:06:23","modified_gmt":"2025-05-22T13:06:23","slug":"buy-to-let-mortgage-rates-explained","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/landlord-tax\/buy-to-let-mortgage-rates-explained\/","title":{"rendered":"How to get a buy-to-let mortgage: a simple guide"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Considering becoming a landlord or growing your property portfolio? If you\u2019re buying a property that you want to rent out rather than live in, then you\u2019ll probably be looking to get a buy-to-let mortgage.<\/p>\n\n<p class=\"wp-block-paragraph\">Our step-by-step guide explains the process, common questions, and tips for finding the best buy-to-let mortgage rates on the market.<\/p>\n\n<p class=\"wp-block-paragraph\">In this guide, we provide an overview of the following key topics:<\/p>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#what-is-a-mortgage\">What is a buy-to-let mortgage?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#how-to-get-a-mortgage\">How to get a buy-to-let mortgage<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#mortgage-affordability\">How is BTL mortgage affordability calculated?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#btl-deposit\">How much deposit do you need for a BTL property?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#interest-only\">Is interest-only or repayment best for BTL?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#mortgage-rates\">How to find the best BTL mortgage rates<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#existing-mortgage\">Can I change my existing mortgage to a BTL?<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-mortgage\">What is a buy-to-let mortgage?<\/h2>\n\n<p class=\"wp-block-paragraph\">A buy-to-let (BTL) mortgage is a loan for buying a property that will be rented out to tenants rather than lived in by the owner.<\/p>\n\n<p class=\"wp-block-paragraph\">Buy-to-let mortgages usually have <a href=\"\/knowledge\/buying-and-selling\/latest-buy-to-let-mortgage-rates\/\" data-type=\"knowledge\" data-id=\"1233\" >higher interest rates<\/a> and higher fees than standard residential mortgages, and the lending criteria are different.<\/p>\n\n<p class=\"wp-block-paragraph\">You can get a BTL mortgage for a property you own as an individual, or you can get a <a href=\"\/knowledge\/landlord-tax\/setting-up-a-property-company-for-buy-to-let\/\" data-type=\"knowledge\" data-id=\"1519\" >limited company buy-to-let<\/a> mortgage if you want to own rental properties through a company.<\/p>\n\n<h3 class=\"wp-block-heading\">Buy-to-let mortgage explained \u2013 5 key differences<\/h3>\n\n<ol class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">The amount you can borrow for buy-to-let depends mainly on the projected <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/rental\/how-to-work-out-rental-yield-for-uk-properties\/\" data-type=\"knowledge\" data-id=\"1002\" >rental yield<\/a> (instead of your income). The expected monthly rental income usually needs to be at least 30 per cent higher than your monthly mortgage payment.<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Buy-to-let mortgages usually have substantially higher arrangement fees than residential mortgages. Fees tend to be around \u00a31,000 to \u00a35,000.<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Most buy-to-let mortgages are interest-only, which means you only pay the interest each month rather than paying down the debt, and when you sell the property you repay the capital in full.<\/li>\n\n\n\n<li class=\"wp-block-list-item\">While homeowner mortgages are regulated by the Financial Conduct Authority (FCA), most buy-to-let mortgages aren\u2019t. This is because they\u2019re seen as business transactions.<\/li>\n\n\n\n<li class=\"wp-block-list-item\">You may need to own a home already and have been paying your mortgage problem-free for at least 12 months to be approved for a buy-to-let mortgage.<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\" id=\"how-to-get-a-mortgage\">How to get a buy-to-let mortgage in 5 steps<\/h2>\n\n<p class=\"wp-block-paragraph\">From eligibility to applications and getting a mortgage offer, these are the steps you need to follow:<\/p>\n\n<h3 class=\"wp-block-heading\">1. Can I get a buy-to-let mortgage?<\/h3>\n\n<p class=\"wp-block-paragraph\">Your bank will review your mortgage application based on buy-to-let mortgage criteria. These vary depending on the lender, but include things like age restrictions and a minimum annual income (usually around \u00a325,000). <\/p>\n\n<p class=\"wp-block-paragraph\">Barclays has a <a href=\"https:\/\/resources.barclays.co.uk\/mortgage-calculators\/buy-to-let-affordability-customer\" rel=\"noopener noreferrer\" target=\"_blank\">buy-to-let mortgage calculator<\/a> you can use to check how much you might be able to borrow and how much your monthly payments might be. You\u2019ll need to fill in details about your income and outgoings here. Download our <a href=\"\/knowledge\/income\/how-to-budget-calculator-and-guide-for-the-self-employed\/\" data-type=\"knowledge\" data-id=\"956\" >budget template<\/a> to get a clear picture of your personal finances.<\/p>\n\n<h3 class=\"wp-block-heading\">2. Get an agreement in principle (optional)<\/h3>\n\n<p class=\"wp-block-paragraph\">You might want to get an agreement in principle before you start your buy-to-let mortgage application. This tells you how much a bank might be willing to lend you, without affecting your credit score. <\/p>\n\n<p class=\"wp-block-paragraph\">Sometimes known as a \u2018mortgage in principle\u2019, this is a useful gauge if you\u2019re still early on in the house hunting process and are wondering how much money you\u2019ll have for a property. It also shows estate agents you\u2019re a serious buyer. <\/p>\n\n<p class=\"wp-block-paragraph\">Bear in mind though, the agreement in principle is usually only valid for 90 days.<\/p>\n\n<h3 class=\"wp-block-heading\">3. Contact your bank<\/h3>\n\n<p class=\"wp-block-paragraph\">The next step is to speak to a bank or mortgage broker to find the best mortgage deal for you. You can book an appointment with them to talk through buy-to-let mortgage rates, affordability, and the different products. <\/p>\n\n<p class=\"wp-block-paragraph\">This meeting will kick-start your mortgage application process.<\/p>\n\n<div id=\"nba-body-001\">\n<\/div>\n\n<h3 class=\"wp-block-heading\">4. Apply for your mortgage <\/h3>\n\n<p class=\"wp-block-paragraph\">Your mortgage broker or bank will start your mortgage application when you have your first mortgage meeting. <\/p>\n\n<p class=\"wp-block-paragraph\">You\u2019ll need to give them lots of information about your finances and the property you want to buy. Existing landlords will also need to show bank statements that show rental income from any other properties. <\/p>\n\n<h3 class=\"wp-block-heading\">5. Wait for your mortgage offer<\/h3>\n\n<p class=\"wp-block-paragraph\">It usually takes between two to four weeks for a mortgage offer to come through. In that time your bank will complete a full credit check and instruct a valuation of the property you want to buy.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"mortgage-affordability\">Buy-to-let mortgages: how is affordability calculated?<\/h2>\n\n<p class=\"wp-block-paragraph\">Banks will look at how much rental income you\u2019re likely to make from the property when deciding whether to approve your mortgage application. This is different from residential mortgages, which are based on salary and outgoings. <\/p>\n\n<p class=\"wp-block-paragraph\">To help you decide if your property is going to be a good investment, you can <a href=\"\/knowledge\/rental\/how-to-work-out-rental-yield-for-uk-properties\/\" data-type=\"knowledge\" data-id=\"1002\" >estimate rental yield<\/a>. This is based on how much income you expect to generate in rent every year, as a percentage of the property\u2019s value.  <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Location is an important factor<\/strong> when it comes to affordability and rental yield. Here are some of the <a href=\"\/knowledge\/buying-and-selling\/best-buy-to-let-areas\/\" data-type=\"knowledge\" data-id=\"1335\" >best buy-to-let areas in the UK<\/a> and the <a href=\"\/knowledge\/rental\/average-rent-in-london-guide-for-buy-to-let-landlords\/\" data-type=\"knowledge\" data-id=\"1328\" >best areas in London for rental yield<\/a> if location is no object in your property search.<\/p>\n\n<p class=\"wp-block-paragraph\">Read our comprehensive <a href=\"\/knowledge\/landlord-tax\/buy-to-let-mortgage-affordability\/\" data-type=\"knowledge\" data-id=\"1357\" >guide to buy-to-let mortgage affordability<\/a> for more information.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"btl-deposit\">Buy-to-let deposit \u2013 how much do you need?<\/h2>\n\n<p class=\"wp-block-paragraph\">Unless you\u2019re a <a href=\"\/knowledge\/landlord-tax\/cash-buyers-on-the-rise\/\" data-type=\"knowledge\" data-id=\"1238\" >cash buyer<\/a> then you\u2019ll need to arrange a mortgage. And that means you\u2019ll need a deposit. <\/p>\n\n<p class=\"wp-block-paragraph\">A buy-to-let mortgage deposit is usually about 25 per cent of the property\u2019s value \u2013 and typically higher than the five to 10 per cent deposit you need for a house you plan to live in.<\/p>\n\n<h3 class=\"wp-block-heading\">Buy-to-let mortgage deposit example<\/h3>\n\n<p class=\"wp-block-paragraph\">Property purchase price = \u00a3285,000<\/p>\n\n<p class=\"wp-block-paragraph\">25% deposit = \u00a371,250<\/p>\n\n<p class=\"wp-block-paragraph\">To secure this property as a buy-to-let, you\u2019d also need to charge monthly rent at around 25-35 per cent more than your mortgage payments.<\/p>\n\n<p class=\"wp-block-paragraph\">New-build properties are often treated as \u2018riskier\u2019 by lenders, and you may need a minimum of 35 per cent deposit on one of these.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"interest-only\">Is interest-only or repayment best for buy-to-let?<\/h2>\n\n<p class=\"wp-block-paragraph\">You have two options with a buy-to-let mortgage: repayment or interest-only. <\/p>\n\n<p class=\"wp-block-paragraph\">A <strong>buy-to-let interest-only mortgage<\/strong> means you\u2019ll only pay off the interest each month, so you\u2019ll take home a larger proportion of the rent from your tenants. <\/p>\n\n<p class=\"wp-block-paragraph\">A <strong>buy-to-let<\/strong> <strong>repayment mortgage<\/strong> means you\u2019ll be paying off the amount you owe, plus interest, over the time period agreed in your mortgage.<\/p>\n\n<p class=\"wp-block-paragraph\">Both have their pros and cons, but many <a href=\"\/knowledge\/buying-and-selling\/how-to-build-a-property-portfolio-in-the-uk\/\" data-type=\"knowledge\" data-id=\"1014\" >portfolio<\/a> landlords choose interest-only mortgages to boost their rental <a href=\"\/knowledge\/income\/how-to-calculate-profit-margin\/\" data-type=\"knowledge\" data-id=\"1422\" >profit<\/a>. This just means you&#8217;ll need to pay off the outstanding balance at the end of your mortgage term. <\/p>\n\n<p class=\"wp-block-paragraph\"><em>This article is intended as a guide only. Please get advice from a banking and finance expert if you\u2019re not sure of anything.<\/em><\/p>\n\n<h2 class=\"wp-block-heading\" id=\"mortgage-rates\">How to find the best buy-to-let mortgage rates<\/h2>\n\n<p class=\"wp-block-paragraph\">Make sure you get the best mortgage rate by following these tips: <\/p>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><strong>shop around<\/strong> \u2013 there are lots of comparison websites out there to help you find the cheapest buy-to-let mortgage and the right product for you<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>speak to a mortgage broker<\/strong> \u2013 they can offer expert financial advice, help you find a deal that suits your financial circumstances, and often access more products  <\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>choose between a fixed and a variable rate of interest<\/strong> \u2013 a fixed rate is usually for two, three, or five years while a variable rate can go up and down<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>check your credit score <\/strong>\u2013 and try to improve it if you need to<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Current buy-to-let mortgage rates \u2013 are they going up or down?<\/h3>\n\n<p class=\"wp-block-paragraph\">Following the financial crisis in 2008, average buy-to-let mortgage rates were low for a long period. This made it a good time to <a href=\"https:\/\/www.simplybusiness.co.uk\/\/knowledge\/buying-and-selling\/is-now-a-good-time-to-buy-a-house\/\" data-type=\"knowledge\" data-id=\"1465\" >buy a rental property<\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\">This period of low interest rates continued all the way up to the Covid-19 pandemic, when the Bank of England (BoE) <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-structure\/current-bank-of-england-base-rate-for-businesses\/\" data-type=\"knowledge\" data-id=\"1374\" >base interest rate<\/a> was cut to a record low of 0.1 per cent.<\/p>\n\n<p class=\"wp-block-paragraph\">Since the pandemic, average BTL mortgage rates have started to rise again in line with a higher BoE base rate. Rates spiked as a result of the ill-fated mini-Budget in September 2022. They\u2019ve fallen again since the start of 2024, but remain well above the levels seen in the last 10 years.<\/p>\n\n<p class=\"wp-block-paragraph\">Data from moneyfactscompare.co.uk in the table below shows how average BTL mortgage rates increased rapidly between 2022 and 2023 and have started to fall again in 2024.<\/p>\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><\/td><td><strong>Average rate 2-year fixed <\/strong><\/td><td><strong>Average rate 5-year fixed<\/strong><\/td><\/tr><tr><td><br>February 2024<\/td><td> 5.49% <\/td><td>5.48%<\/td><\/tr><tr><td><br>August 2023<\/td><td>6.88% <\/td><td>6.72%<\/td><\/tr><tr><td><br>February 2022<\/td><td>2.90% <\/td><td>3.16%<\/td><\/tr><tr><td><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">moneyfactscompare.co.uk<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Our <a href=\"https:\/\/www.tmwdirect.co.uk\/our-mortgages\/mortgage-payment-calculator\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">2023 Landlord Report<\/a> found that only two per cent of landlords saw their BTL mortgage repayments decrease between 2022 and 2023. During the same period, 19 per cent saw their monthly payments increase by up to \u00a3500 and five per cent saw their monthly repayments increase by more than \u00a31,000.<\/p>\n\n<p class=\"wp-block-paragraph\">If you\u2019re in the market for a new deal, it\u2019s worth using a <a href=\"https:\/\/www.tmwdirect.co.uk\/our-mortgages\/mortgage-payment-calculator\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">buy-to-let mortgage repayment calculator<\/a> to see how current rates will impact how much you need to pay each month.<\/p>\n\n<h3 class=\"wp-block-heading\">Who are the best buy-to-let mortgage providers?<\/h3>\n\n<p class=\"wp-block-paragraph\">When shopping around to find the best buy-to-let mortgage deals, you\u2019ll come across a selection of providers.<\/p>\n\n<p class=\"wp-block-paragraph\">Some buy-to-let mortgage providers are mainstream lenders while others specialise in BTL.<\/p>\n\n<p class=\"wp-block-paragraph\">Here\u2019s a buy-to-let mortgage comparison of the main providers to look out for:<\/p>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.westoneloans.co.uk\/buy-to-let-mortgages\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>West One<\/strong><\/a><strong> <\/strong>\u2013 a specialist lender that offers portfolio lending up to \u00a37.5 million with no minimum income requirements<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.halifax.co.uk\/mortgages\/buy-to-let.html\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Halifax<\/strong><\/a> \u2013 one of the UK\u2019s best-known lenders offers a range of two and five-year buy-to-let products<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/landbay.co.uk\/borrowers\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Landbay<\/strong><\/a> \u2013 a buy-to-let-only lender that offers fixed and tracker buy-to-let mortgages for standard purchases as well as HMOs<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.barclays.co.uk\/mortgages\/buy-to-let\/rates\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Barclays<\/strong><\/a><strong> <\/strong>\u2013&nbsp;a traditional lender that offers products for up to \u00a32 million for each property. To get a Barclays buy-to-let mortgage, you\u2019ll need a minimum annual income of \u00a325,000<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.paragonbank.co.uk\/intermediary\/mortgages\/buy-to-let\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Paragon<\/strong><\/a> \u2013 a specialist lender that borrowers can only access through an intermediary. It provides products for single properties, HMOs and limited companies<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.lloydsbank.com\/mortgages\/buying-to-let\/current-rates.html#clhmv\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Lloyds Bank<\/strong><\/a> \u2013 a traditional lender that offers a range of two and five year products with a maximum loan value of \u00a31 million<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.aldermore.co.uk\/mortgages\/buy-to-let-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Aldermore<\/strong><\/a> \u2013 a specialist lender that allows borrowers to include multiple properties on one buy-to-let mortgage application<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.nationwide.co.uk\/mortgages\/buy-to-let\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>The Mortgage Works<\/strong><\/a> \u2013 the buy-to-let arm of the Nationwide Building Society that offers deals up to 10 years with a maximum loan to value (LTV) of 80 per cent<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.hsbc.co.uk\/mortgages\/buy-to-let\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>HSBC UK<\/strong><\/a> \u2013 a traditional lender that offers buy-to-let products up to 75 per cent LTV. An HSBC buy-to-let mortgage usually comes with a minimum deposit of 25 per cent<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Can I change my existing mortgage to a buy-to-let?<\/h2>\n\n<p class=\"wp-block-paragraph\" id=\"existing-mortgage\">Some landlords start out through chance and circumstance. If you\u2019re moving out of your home but want to keep your property then you might be thinking about letting it out. <\/p>\n\n<p class=\"wp-block-paragraph\">The good news is it may be possible to change your existing mortgage to a buy-to-let mortgage. You\u2019ll just need to speak to your mortgage provider and meet their criteria. Sometimes this means you\u2019ll need to <a href=\"\/knowledge\/buying-and-selling\/how-to-remortgage-a-buy-to-let\/\" data-type=\"knowledge\" data-id=\"984\" >remortgage<\/a> first, which can involve early repayment charges.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Looking for a buy-to-let mortgage? Let us know how you get on in the comments. <\/strong><\/p>\n\n<h3 class=\"wp-block-heading\">More guides for buy-to-let landlords<\/h3>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/landlord-regulation\/rules-for-landlords-2026\/\" data-type=\"knowledge\" data-id=\"1066\" >How to become a landlord: a guide to renting out a property in the UK<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/tenants\/pre-tenancy-landlord-checklist\/\" data-type=\"knowledge\" data-id=\"1006\" >Landlord checklist \u2013 what to do before renting out your property<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/landlord-tax\/tax-on-rental-income\/\" data-type=\"knowledge\" data-id=\"1545\" >How to do a landlord tax return<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/what-does-landlord-insurance-cover\/\">What does landlord insurance cover?<\/a><\/li>\n<\/ul>\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading has-text-align-center\">Get set with tailored landlord cover<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Over 200,000 UK landlord policies, a 9\/10 customer rating and claims handled by an award-winning team. Looking to switch or start a new policy? Run a quick <a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\" >landlord insurance<\/a> quote today.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>kalinichenkod\/stock.adobe.com<\/em><\/p>\n\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re planning on buying a property to rent out, then you\u2019ll probably be looking into a buy-to-let mortgage. Read on for tips and mortgage rates.<\/p>\n","protected":false},"author":3,"featured_media":3984,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"","sb_review_date":"","sb_enable_content_gating":true,"footnotes":""},"categories":[336,114,352],"hidden-category":[],"coauthors":[25],"class_list":["post-1358","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-business-structure","category-landlord-news","category-landlord-tax"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to get a buy-to-let mortgage: a simple guide<\/title>\n<meta name=\"description\" content=\"How do you get a buy-to-let mortgage and how can you find the best buy-to-let mortgage rates? 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