Get the right BTL rate from 50+ specialist lenders.
First rental or growing a portfolio, we compare every major BTL lender to find you the best rate. Personal name or limited company. Your adviser handles everything.
Example BTL purchase
What is a buy-to-let mortgage?
A buy-to-let mortgage is specifically designed for properties you intend to rent out. Unlike a residential mortgage, the lender assesses affordability primarily on the expected rental income, not just your personal earnings.
Lenders typically require the monthly rent to cover at least 125–145% of the mortgage payment. This is called the interest coverage ratio (ICR), and it's one of the key criteria you need to meet.
You can take a BTL mortgage in your personal name or through a limited company (SPV). Limited company lending has grown significantly as it can offer tax advantages for higher-rate taxpayers, though you should always take independent tax advice before deciding.
First rental property or established portfolio. We search 50+ specialist BTL lenders to find the right deal for your circumstances.
Important: Your property may be repossessed if you do not keep up repayments on your mortgage. Buy-to-let mortgages are not regulated by the Financial Conduct Authority. Think carefully before securing any debt against your property.
Applications are handled by specialist BTL advisers who are authorised and regulated by the FCA. You're protected by strict rules on fair treatment, clear information, and responsible lending.
Personal Name vs Limited Company
How they compare
Ltd Company
Personal Name
For higher-rate taxpayers with multiple properties, limited company structures can offer
Which type of BTL are you?
From first-time landlords to experienced portfolio investors, we match your situation to the right specialist lender.
First rental property
Buying your first investment property? Many lenders welcome first-time landlords, even if you're still paying a residential mortgage.
Get my free quoteGrowing a portfolio
Portfolio landlords need lenders who assess your properties collectively. We specialise in finding deals that work across multiple properties.
Get my free quoteHMO & multi-unit
Houses in multiple occupation and multi-unit blocks need specialist lenders. We know which ones offer the best rates for these property types.
Get my free quoteLimited company (SPV)
Higher-rate taxpayers buying through a special purpose vehicle. We compare dedicated limited company BTL lenders for your structure.
Get my free quoteRemortgage & product transfer
Fixed rate coming to an end? We search the whole market to find you a better deal and handle the switch from start to finish.
Get my free quoteLet to buy
Moving home but want to keep your current property as a rental? A let-to-buy arrangement converts your residential mortgage, and we make it straightforward.
Get my free quoteOther BTL scenarios we cover:
Why use Albot for your BTL mortgage?
Whole-of-market search, specialist advisers, and a process built to move fast. Here's what you get.
50+ specialist BTL lenders
We search every major BTL lender, including specialists who only work with brokers. You won't find these rates on the high street.
Personal name or limited company
Borrowing personally or through an SPV? We compare both markets and find the right structure for your tax position.
First-time landlords welcome
Many lenders won't touch first-time landlords. We know exactly which ones will, so you don't waste time on dead ends.
Portfolio landlord expertise
With 4+ mortgaged properties you're a portfolio landlord. Lenders assess you differently, and our advisers know which ones will look at your whole portfolio favourably.
HMO & specialist property covered
Houses in multiple occupation, multi-unit freehold blocks, and holiday lets require niche lenders. We work with them all.
Your adviser handles everything
From selecting the right product to managing the application, valuations, and completion, your dedicated adviser takes care of the whole process.
Three steps to your BTL mortgage
It's straightforward. Here's what happens when you use Albot.
Quick questions
Tell us about the property, your deposit, and the expected rent. Takes 90 seconds.
⏱ 90 secondsSee your options
Albot checks 50+ BTL lenders and shows you what's available, including rates only accessible through brokers.
⚡ Instant resultsAdviser handles it
A specialist BTL adviser reviews everything with you and manages the full application through to completion.
👤 FCA regulatedWhole market. Specialist knowledge. No faff.
We combine instant rate comparison with BTL specialist advisers who know exactly which lenders will say yes to your situation.
Instant comparison
See BTL rates from 50+ lenders in seconds. We check the whole market so you don't have to ring around.
BTL specialist advisers
Your adviser knows ICR rules, portfolio assessment, and which lenders suit your property type. Authorised and regulated by the FCA.
Full cost transparency
All arrangement fees, adviser fees, and total costs shown upfront. No surprises at application stage.
No credit footprint
Checking your BTL options uses a soft search. No impact on your credit file and nothing visible to other lenders.
Common questions about BTL mortgages
Everything you need to know before you apply.
How much deposit do I need for a buy-to-let mortgage?
Most BTL lenders require a minimum 25% deposit, giving you a 75% loan-to-value (LTV). Some specialist lenders will go to 80% LTV, but the rates tend to be higher. A larger deposit typically unlocks better rates and a wider choice of lenders.
Can I get a BTL mortgage as a first-time landlord?
Yes. Many lenders welcome first-time landlords, even if you don't own your own home yet. Criteria vary: some require you to have a residential mortgage or own your home outright, while others have no such restriction. We know which lenders suit your exact situation.
How is affordability assessed on a BTL mortgage?
BTL affordability is primarily based on the expected rental income, not your personal salary. Lenders typically require the monthly rent to be 125–145% of the mortgage payment (this is called the interest coverage ratio, or ICR). Some lenders also consider your personal income as a top-up, especially for limited company applications.
Should I buy through a limited company or in my personal name?
This depends on your tax position, number of properties, and long-term plans. Limited company (SPV) structures can offer significant advantages for higher-rate taxpayers because mortgage interest remains fully deductible. However, set-up and running costs are higher, and you'll need to extract profits as dividends or salary. Always take independent tax advice before deciding. Our advisers can explain the mortgage implications of each route.
What is a portfolio landlord and does it affect my mortgage options?
You're classified as a portfolio landlord if you have four or more mortgaged buy-to-let properties. Lenders must assess your whole portfolio under PRA rules, not just the individual property you're applying for. Not all lenders accept portfolio landlords, so we identify those that do and find you the best available rate.
What happens if my tenant stops paying or the property is empty?
Your BTL mortgage payments are your responsibility regardless of whether your property is tenanted. Void periods and rent arrears are a normal landlord risk. It's important to have reserves to cover mortgage payments during gaps. Your property may be repossessed if you do not keep up repayments. Landlord insurance with rent guarantee cover can help protect you.
Check your BTL rate in 90 seconds
See what 50+ specialist lenders will offer you. No commitment, no credit check, no upfront fees.
Get my free quoteRepresentative Example (Buy-to-Let Mortgage)
A repayment mortgage of £187,500 payable over 25 years, initially on a fixed rate for 5 years at 4.99% and then on a variable rate of 6.49% for the remaining 20 years would require 60 monthly payments of £1,094.72 and 240 monthly payments of £1,254.38. The total amount payable would be £366,733 made up of the loan amount plus interest of £174,108 and fees of £5,125. The overall cost for comparison is 6.7% APRC representative. Rates and fees are subject to status. This is an illustrative example only — your actual rate will depend on your circumstances and the lender's criteria.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Albot is an introducer and technology platform, not a lender and not a broker. Applications may be passed to a specialist adviser who is authorised and regulated by the FCA. Rates are subject to status, rental income assessment, and lender criteria. Think carefully before securing any debt against your property.