Buy to Let Mortgage Advice for Landlords and Investors

Thinking of investing in property? At Grandi Mortgage Solutions, we provide tailored buy-to-let mortgage advice to landlords and property investors across Chinnor and the surrounding areas.

A buy-to-let mortgage is designed specifically for people who want to purchase a property to rent out to tenants. Unlike residential mortgages, which are for owner-occupiers, buy-to-let mortgages are geared towards generating rental income.

How do Buy-to-Let mortgages work?

Buy-to-let mortgages operate similarly to standard mortgages, but there are some important differences to be aware of:

✅ Higher Deposit Requirements
Lenders usually ask for a larger deposit, typically around 25% of the property’s value, although this can vary depending on the lender and your individual circumstances.

✅ Rental Income Considered
When assessing your application, lenders will focus on the property’s potential rental income. Most require the rent to cover a set percentage of the mortgage repayments, often 125–145%.

✅ Higher Interest Rates
Because buy-to-let mortgages are considered higher risk, they often come with slightly higher interest rates than standard residential deals.

✅ Affordability and Risk Management
In some cases, lenders will also look at your personal income to ensure you can cover the mortgage during void periods when the property may be empty.

Whether you're buying your first investment property or expanding your portfolio, we’ll help you understand your options and secure the right deal for your goals.