Buy-to-let Mortgage Advice

There are many considerations when purchasing a buy-to-let property and these mortgage guides highlight both the benefits and potential pitfalls. Having a clear understanding of the legal requirements to becoming a landlord is the best way to start the BTL mortgage process.

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Buy-to-Let Mortgage Essentials

What is a Buy-to-Let Mortgage?

A buy to let mortgage is a loan secured against a property that you own and intend to rent out to a tenant. As with a normal residential mortgage, the onus is on you to meet the mortgage repayments each month. The significant difference with a buy to let mortgage is that the amount you can borrow is based upon how much rent the property can generate as opposed to your income.

What paperwork do I need to become a landlord?

Normally, if you are a private landlord and the property that you are renting will be your tenant’s home, you will need an Assured Shorthold Tenancy (AST). When you apply for a buy to let mortgage, the mortgage lender will expect you to have an AST and may even ask you to produce a copy.

Stamp Duty, Capital Gains and Tax

This is not a straightforward subject, but in general Stamp Duty and Capital Gains payments are a requirement for BTL properties. Rates for these will vary depending on the price of the property and where it is in the UK. Any income you receive as rent is also taxable. We help clients get a better understanding of what costs and rates they may incur.

Read the Guides

There are some key considerations when entering the BTL market. Below we answer some of the questions most frequently asked by our clients.
Buy to Let mortgages are for people who wish to purchase a property and rent it out rather than reside in it themselves. The amount you can borrow for a Buy to Let mortgage is based on the amount of...
All homes that are on sale or for rent must have an Energy Performance Certificate (EPC) showing how energy efficient the property is.

Surveys, Conveyancing and Insurance

Different types of surveys

As a purchaser, it’s essential to understand the different types of survey. There are 3 main types, basic valuation, Homebuyer Report and Building Survey. Read on for a further explanation.

How long is the mortgage process?

In general, you can expect the application process to take between 18-40 days, depending on the complexity of the mortgage. Having all your paperwork in order prior to the application can speed the process.


Building and contents insurance policies provide cover for your home and possessions and are essential to protect against any damage or loss to your property. Life insurance is also a key consideration for many mortgage holders.

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If you require a mortgage to purchase a new home, your lender will require a valuation of the property to ensure they are comfortable to lend against it. You may decide to have a more in-depth...
The length of time it will take for you to secure a mortgage depends on numerous factors:
In this guide, we aim to guide you through the types of insurance needed to provide adequate cover for your home, possessions and family. The information included is a general overview of the types...

Speak to us today for jargon-free mortgage advice

We are an mortgage advisor based in Southport and covering Merseyside and Lancashire. We work with clients across the region, including Liverpool, Manchester, Bolton, Preston, Wigan and St Helens, and sometimes further afield depending on the project.

Call Us: 01704 539492

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JB Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA number is 531615.