Award Winning Buy to Let Mortgage Deals

Helping you purchase property as an investment


Mortgage Enquiries


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

  • I went from not thinking I could get a mortgage, to mortgage approved in 2 weeks, and at a rate I never thought possible! The service provided by Jami...
  • Very well organised and friendly . Told us upfront what to expect and what it was gonna cost . Very honest with what they tell you . Always keeping yo...
    Oliver Cole
  • I was dealing with Jamie Money for my remortgage enquiry great communication, Kept me informed throughout the process and managed to save me money! wi...
    Michele Clark
  • Would highly recommend they were very helpful and it was a very easy process 👍👍
    Carl Dean
  • Great good quick service thank you
    Dale Bromell
  • The service I received from Matt was first rate. Sorted out a deal in very quick time with no fuss. I would strongly recommend this company.
    Mr Brandon
  • I have recently been dealing with Jamie Melling and it has been nothing but straight forward from the start. He has been very informative, answering a...
  • What a fantastic company this is so helpful and willing to go the extra mile to get things done Jamie money,Meghan,Rebecca and Olivia are amazing I wo...
    Emma Gregory
  • Good service so far.
  • This was my second property, but same comments as the first one. The chap I was dealing with, Karl, was great and very helpful. We got a good result...
    Jeffrey Peyton-Bruhl
  • We just want to thank Callum for being amazing. We honestly could not have asked for a better mortgage advisor, he put up with us calling all the time...
    Jessica Boyle
  • Callum was excellent highly professional and very approachable, I would definitely recommend the company to anyone that I know Shazad
  • kept in touch every step of the way. always responded quick to emails and my questions. kept in the loop constantly on each step of the process. fr...
    Hayley Reay
  • Very easy to deal with, good communication and service. Got me a mortgage with a high street lender when other brokers said they couldn’t.
    Mark Tomlinson
  • Morgage key have communicated with us through out, if they have only just checked to say Hi and if there was anything they could do Whilst waiting fo...
    Heather Twigg
  • Easy to deal with. Quick and efficient. Great customer service. Mortgage to meet my needs and a competitive rate. Also sorted life insurance too. Hig...
    Diane Franklin
  • The second time we have used mortgage key now and we are really happy. It was great to deal with Karl again, he gave us solid advice and we had a laug...
    Daniel Conelly
  • Super fast great comms will use again
  • Fantastic service. Offer issued within a week.
    Charlotte D
  • Great service, good communication and on the ball! I would recommend to a friend to use MortgageKey, helpful and polite. Thank you!
    Ann-Marie Smith

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