Buy-to-Let Mortgages: A Complete Guide for New & Experienced Landlords

A buy-to-let mortgage is designed for properties you want to rent out, not live in. Whether you're a first-time landlord or growing your investment portfolio, Bains Express Mortgage Solutions (BEMS) helps you secure the right mortgage with expert advice, competitive rates, and full support from application to completion. This guide explains how buy-to-let mortgages work, what to expect as a landlord, and answers the most common questions investors ask.

What Is a Buy-to-Let Mortgage?

A buy-to-let (BTL) mortgage is a loan specifically for purchasing or remortgaging a property you plan to rent out. Unlike a residential mortgage, lenders assess not only your personal finances but also the rental income the property can generate.

In simple terms:

You buy a property → You rent it to tenants → The rent helps cover the mortgage → You build long-term wealth through property and rental returns.

Buy-to-let mortgages typically come with:

• Higher deposits (usually 20–40%)

• Interest-only options, popular with landlords

• Affordability based on rental yield

• Stricter lender criteria compared to residential mortgages

Whether you're stepping into property investment for the first time or adding another unit to your portfolio, understanding how BTL mortgages work is essential for making profitable choices.

How BEMS Helps Landlords Secure the Right Buy-to-Let Mortgage

At Bains Express Mortgage Solutions (BEMS), we simplify the investment journey by offering end-to-end buy-to-let mortgage support tailored to landlords at every stage.

Here’s what we do for you:

✔ Access to a Wide Panel of UK Lenders

We work with trusted mortgage lenders who specialise in both first-time landlord mortgages and portfolio investor loans. This means you get competitive products that fit your investment goals—not generic, one-size-fits-all solutions.

✔ Personalised Investment Guidance

We don’t just help you secure a mortgage; we help you make smart decisions. Our advisors assess:

• Local rental demand

• Market trends

• Property type and tenant potential

• Expected rental income and yield

You’ll walk away with a clear understanding of which mortgage product suits your long-term strategy.

✔ Support for First-Time & Experienced Landlords

Whether you're:

• Buying your first rental property

• Expanding your portfolio

• Remortgaging an existing investment

• Switching to a better BTL product

—we handle the process with clarity, efficiency, and transparent communication.

✔ Stress-Free Application & Paperwork

We deal with:

• Affordability checks

• Lender communication

• Application preparation

• Document submission

• Ongoing status updates

So you can focus on finding the right property and planning your returns.

Key Benefits of Buy-to-Let Mortgages with BEMS

1. Build Long-Term Wealth Through Property

Buy-to-let investing offers both rental income and capital growth, making it a strong long-term wealth strategy.

2. Flexible Mortgage Options

Choose between:

• Interest-only mortgages (higher monthly cash flow)

• Repayment mortgages (slow and steady equity building)

Our advisors walk you through the pros and cons of each.

3. Tailored for Your Investment Plan

Whether you're looking for:

• Single-unit rentals

• HMOs (Houses in Multiple Occupation)

• Flats or new builds

• Student accommodations

• Portfolio refinancing

we match you with lenders who specialise in exactly what you need.

4. Strong Local Expertise in East London

We proudly support landlords across:

Ilford, Redbridge, East London, Barking, Dagenham, Walthamstow, Romford, and surrounding areas.

Our local knowledge helps you make more confident, profitable investment choices.

Common Buy-to-Let Questions

Can I Get a Buy-to-Let Mortgage if I’m a First-Time Landlord?

Yes, you can. At BEMS, we work with multiple lenders who specifically offer buy-to-let mortgages for first-time landlords. You don’t need previous rental experience to start building your property portfolio.

However, lenders may have additional criteria such as:

• A reliable income

• A credit history in good standing

• A realistic rental projection

• A minimum deposit (often 25% or more)

Good news: We guide you through every step so your application is strong, complete, and lender-friendly.

Do You Provide Advice on Buy-to-Let Investments?

Absolutely. We go beyond mortgage brokering. Our advisors help you understand:

• Current rental market conditions

• Expected rental yields

• What type of mortgage best suits your plan

• How to choose profitable investment locations

• Long-term affordability and risk considerations

Whether you're nervous about your first purchase or planning your tenth, we give you all the insights needed to invest confidently.

What Are the Main Requirements for a Buy-to-Let Mortgage?

Every lender is slightly different, but most look at:

✔ Your Deposit

Typically 20–40%, depending on property type and risk.

✔ Rental Income

Lenders run a rental stress test to ensure the rent covers the mortgage—often at 125–145% coverage.

✔ Your Personal Income

Many lenders require a minimum income (e.g., £25,000), although not always.

✔ Property Suitability

Lenders prefer properties that are:

• In rentable condition

• In demand locally

• Not unusual or heavily modified

Unsure if your property qualifies? We can check for you instantly.

How Do Buy-to-Let Interest Rates Work?

Buy-to-let rates depend on:

• Loan amount

• Deposit size

• Property type

• Market conditions

• Your financial profile

BEMS compares multiple lenders to secure the best available rate based on your investment strategy.

Final Thoughts: Start or Grow Your Rental Portfolio with Confidence

Buy-to-let mortgages are one of the strongest investment tools available today—offering consistent rental income, long-term property growth, and a stable way to build wealth.

At BEMS, we make the journey simple.

Whether you're a first-time landlord or an experienced investor, our team helps you:

• Understand your options

• Choose profitable investments

• Secure the right mortgage product

• Navigate the application process smoothly

Ready to take the next step? Book a free Buy-to-Let Mortgage Consultation with BEMS today.