Buy-to-let mortgages

Whether you’re a first-time landlord or looking to add another property to your portfolio, find the right buy-to-let mortgage with expert guidance from the Horizon's mortgage advisers.

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How do buy-to-let mortgages work?

  • Buy-to-let (BTL) mortgages are designed to fund the purchase of a property you intend to rent to tenants.
  • The majority of buy-to-let mortgages are interest-only.
  • With interest-only buy-to-let mortgages, your monthly repayments will only cover the interest you’re charged on the borrowed capital.
  • Only needing to pay the interest can help keep monthly payments down, maximizing rental income.
  • You'll need to repay the capital when the mortgage term ends.
  • Repayment buy-to-let mortgages, where monthly payments cover both capital and interest, are less popular.
  • Lenders assess affordability based on the property's potential rental income and possibly existing income.
  • Some lenders require rental income to exceed monthly mortgage payments by at least 25%, while others may set it at 50%.
  • Many landlords choose interest-only buy-to-let mortgages due to lower monthly payments.

Buy-to-let mortgage FAQs

What our clients say

Join thousands of homeowners who got a mortgage with Horizon Broker services

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Overall my experience was a wonderful,simple quick and painless task done at my pace at times suitable for me even with a more complicated one this time.

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Dawn Carter

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I've gone back to them a few times with changes or to get a better deal based on interest rate changes etc. and they have always found a better deal.

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Andrea

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I am amazed at how Easy Horizon Broker Services have made the remortgaging process. I was able to send them all the relevant details within a few seconds

M

Mrs Qureshi

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Very easy and smooth remortgage. They were helpful and knowledgeable. This is my consecutive time with Horizon and I would not go anywhere else. Thankyou

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Rob W

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If you’re looking for a mortgage broker who genuinely cares about their clients and makes the process as simple as possible,Horizon Broker Services is the way to go. I highly recommend them!

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Julian Critelli

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Second time that I have used Horizon and both times have been easy and straightforward. They kept me informed every step of the way. A great experience and highly recommended.

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Rhona

Get a mortgage with Horizon Broker services today

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Our mission is to make mortgages faster, simpler and more affordable. Just Better.

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Get the best deal with a Buy to let Mortgage

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Important Information & Disclosures

Please review the following information about our mortgage services

Important Disclaimers
Essential information about your mortgage obligations
  • You may have to pay an early repayment charge to your existing lender if you remortgage. Your savings will depend on personal circumstances.

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

  • It is important to consider insurance and protection when taking out a mortgage. We will speak to you about this and give you the option to be referred to a protection specialist for advice.

The information provided here is for general guidance only. Please consult with our advisors for advice specific to your circumstances.