Definition
A buy-to-let mortgage is designed for a property that will be let rather than occupied as the borrower's main home. Lenders commonly assess expected rent, loan-to-value, the applicant, property, ownership structure and landlord experience. Some buy-to-let lending is regulated and some is not, depending on the circumstances.
Practical example
A lender may test the expected monthly rent against mortgage interest calculated at a stressed rate.
Why it matters
Using a residential mortgage for an undisclosed letting can breach the mortgage conditions.
Buy-to-let mortgage guideSource and review
Reviewed 16 July 2026. Product criteria and rules can change.
Bank of England PRA: buy-to-let underwritingDiscuss your mortgage with a broker
We can introduce you to an FCA-authorised mortgage broker. MortgageConnector does not provide regulated advice, and using the matching service does not commit you to proceed.
Request a broker match