Award Winning Buy to Let Mortgage Deals

Helping you purchase property as an investment


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Mortgages Accepted

Looking to get into property lettings?

We’ve helped hundreds of people secure buy-to-let mortgages which has helped them profit from buying and renting out a property.

With house prices often outperforming inflation in the long-term, the buy-to-let market can prove a great investment.

Why choose MortgageKey for Buy-To-Let Mortgages?

We know the buy-to-let market

Our team’s knowledge of the buy-to-let mortgage market, and excellent relationships with lenders, ensure you get the best offers

Thousands of deals considered

We search and compare thousands of buy-to let mortgage deals to ensure we can find a deal which is suited to you

We’re completely independent

We’ve no tie-ins with certain lenders. As we’re fully independent and unbiased our focus is solely on finding the best option for you.

Pay nothing until completion

We research offers with no obligation and won’t ask for any payment until your mortgage deal is complete

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Buy-to-let Mortgages – Your Questions Answered

Buy-to-let mortgages are viewed as a long-term investment and ideal for those looking for an additional income, a nest egg for retirement or a business opportunity as a landlord. Renting out a property with a buy-to-let mortgage could help you generate profit whilst covering your mortgage repayments as well.

Although there are no guarantees that house prices will rise, a second property to let to tenants is likely to benefit you financially over time.

Is it a good time to buy-to-let?

Yes, there has been a significant rise in the number of people wanting to rent homes in the UK, and this has come as the number of available properties has reduced in recent years. With people unable to afford deposits and house prices, it’s an ideal time to become a landlord and rent out.

With the right property, in a good location, renting out with a buy-to-let mortgage can provide a good monthly income once mortgage repayments are covered.

What should I consider before choosing a buy-to-let mortgage?

Budget for the outgoings associated with renting out a property, such as maintenance, repairs, safety checks, insurance and stamp duty, against the income you will receive before choosing to invest in another property. Consider the location of your property too, and its appeal to potential tenants.

How is a buy-to-let mortgage calculated?

With a buy-to-let mortgage the loan provider (or lender) will assess the potential rent as a primary source of income, rather than against your earnings as happens with typical mortgages. A Rent to Interest (RTI) calculation will be carried out to check you will gain enough rental income from the property to cover the interest on the mortgage.

Rental income is typically between 125% and 130% of the monthly mortgage repayment.

Should I choose a repayment or interest only buy-lo-let mortgage?

It depends on your individual circumstances, property and strategy, and our advisers at Mortgage Key will be able to help you plan given your goals.

The majority are interest only, resulting in lower monthly payments but the debt is not being paid off. This suits the likes of professional landlords and property investors with a long-term aim to grow a portfolio of property, as they have greater cash flow to further invest. At the end of the mortgage term, the investor could sell the property as a way of recouping the initial costs. The repayment route is more suited to those looking to invest in property as an alternative pension plan, as monthly capital and interest repayments ensure the full debt is repaid at the end of the mortgage.

What our clients are saying

  • Zoe and Sally were both really professional but friendly. They are a credit to your company.
    Iain Pay
  • World class service from Day 1 to completion. Highly recommended. In particular the service from Georgia Hardcastle and Olivia Russell was fantastic -...
    Paul Hennessy
  • Great service from start to finish and good terms too. Hoping the solicitors are as good now completing the process.
    Paul H
  • Great team did everything spotlessly and didn’t have to be chased up
    Dale Sutherland
  • Excellent service and trusted help So efficient
    Mrs Diane Brown
  • Very efficient service from start to finish. Communication was exceptional and was always informed and guided every step of the way
    Michael Newbery
  • 5 Star Service
    John Kleinman
  • They have been so helpful every step of the way they have always been quick to rely to every email I’ve sent them. And help me get a decision in pri...
    Mr Terry Mcdonald
  • Quick and efficient service.
    Nic Phipps
  • Very helpful assistant. Straight swap and terms I was looking for, saved a few quid a month
    Bob hope
  • Great fast and friendly service
  • I have been dealing with Georgia Hardcastle at Mortgage Key, she is so helpful and have explained everything to me. I am a first time buyer and I was ...
    Pedro Amaral
  • Extremely professional service and courteous staff.
    Mr. Michael Rundle-Brown
  • Mortgagekey are an excellent mortgage broker service. Secured a mortgage with a high street lender within 4 weeks from DIP to full offer. Our case was...
  • Brilliant service, can’t fault
    Aimi Buchanan
  • My broker Rory was able to get me a mortgage where others had failed.A credit to the company.
    John Wilkinson
  • We recently used Mortgage Key. Everything was straight forward and done quickly, from the initial quote to receiving the mortgage offer we were kept...
  • A really good service, Quick and efficient, no stress at all. Knowledgeable staff, who were a pleasure to deal with. I would recommend them and defini...
    philippa Wall
  • Very professional and friendly approach. They managed to find a mortgage which matched all our requirements. Great service! Thanks a lot!
  • Great service from the beginning of the process.
    Bruno Cabral

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