UK’s Specialist Buy to Let Mortgage Brokers – Fox Davidson
Fox Davidson is a leading buy to let mortgage broker in the UK, empowering landlords to secure buy to rent mortgages for rental properties across the UK. With the UK’s private rental sector housing 19% of households and delivering average yields of 5.7%—with HMOs reaching 8–12% (Land Registry, 2024)—buy to let (BTL) investments are thriving in a market projected to grow 15% by 2030 (ONS, 2024). Whether you’re purchasing a flat in London, a terraced house in Manchester, or expanding a portfolio in Leeds or Birmingham, our award-winning, independent brokerage accesses over 100 specialist lenders to deliver competitive rates and tailored solutions. Since 2013, we’ve secured millions in BTL funding for first-time landlords, portfolio investors, and limited companies, maximising returns for clients with expert mortgage advice.
Why choose Fox Davidson as your buy to let mortgage broker in the UK?
- Access to 100+ lenders, including high street and private banks with broker-only rates.
- Competitive rates from across the market
- Expertise in rental yield calculations, limited company structures, and complex BTL cases.
- Free initial consultation
- Rapid decisions, often within 24–48 hours, for fast-moving markets.
📞 Call for a free consultation 💻 Complete our enquiry form 📧 Email an outline of your requirements
Why Invest in Buy to Let Properties in the UK?
The UK’s rental market is booming, driven by a population of 67 million, rising house prices (4.3% annual growth, Land Registry 2024), and affordability challenges pushing 19% of households into private renting (ONS, 2024). Buy to let properties offer investors a chance to capitalize on this demand while building long-term wealth. Key highlights:
- High Yields: Average rental yields of 5.7%, with HMOs and student lets reaching 8–12% in cities like Birmingham, Bristol, and Leeds.
- Capital Growth: UK properties have appreciated 4.3% annually since 2020, ensuring strong resale value.
- Diverse Markets: Urban flats in London, family homes in Manchester, and HMOs in Sheffield cater to students, professionals, and families.
- Tax Efficiency: Limited company structures mitigate Section 24 tax restrictions, maximizing profits.
A buy to rent mortgage unlocks these opportunities, but high street banks often demand large deposits (20–40%) and strict criteria. Fox Davidson’s expertise ensures you secure the best BTL mortgage deal for your investment strategy.
What is a Buy to Let Mortgage?
A buy to let mortgage (BTL) also known as a buy to rent mortgage is a specialised loan for properties rented to unrelated tenants, designed to generate rental income. Unlike residential mortgages, lenders assess the property’s rental yield (typically 125–145% of mortgage payments) and the borrower’s financial profile. As expert mortgage brokers for buy to let properties in the UK, we source deals from high-street banks, building societies, and specialist lenders, offering up to 80% loan-to-value (LTV) at often market leading rates.
Key benefits of buy to let mortgages in the UK:
- Finance properties (£200k–£10m+) in high-demand cities like London or Manchester.
- Achieve yields of 5.7–12% with stable rental income.
- Leverage 4.3% property growth for wealth-building.
- Navigate Section 24 tax rules with limited company options.
Who Can Apply for a Buy to Let Mortgage?
Eligibility varies by lender, but most require:
- Deposit: 15–25% of property value (e.g., £30k–£50k for a £200k flat).
- Rental Coverage: 125–145% of mortgage payments (e.g., £1,000 mortgage needs £1,250–£1,450 rent).
- Income: Minimum £25k–£30k (or self-certification for experienced landlords).
- Credit Score: Good credit preferred, though minor issues may be accepted with specialist lenders.
First-time landlords, first time buyers and portoflio landlords are all served by the lenders we work. Fox Davidson guides clients through lender criteria, ensuring strong applications for properties in Leeds, Cardiff, or beyond.
How to Get a Buy to Let Mortgage with Fox Davidson. Our 4-step process simplifies BTL mortgages:
- Free Investment Assessment
Discuss your goals, from a Manchester flat to a Birmingham HMO, assessing deposit and rental potential.
- Property and Income Evaluation
Review rental projections, portfolio details, income, and credit to match lenders, ensuring compliance with EPC ratings (E or above by 2030).
- Specialist Lender Matching
Source from over 100 lenders within 24–48 hours, securing decisions in principle for urgent purchases.
- Application and Completion
Handle paperwork, valuations, and lender negotiations for 4–8 week completions, coordinating with solicitors for funds release.
Typical requirements:
- Property valuation and tenancy agreements.
- Business plan and portfolio for portfolio landlords
- Proof of income, deposit source, and credit history
Buy to Let Mortgage Options Across the UK
We offer tailored solutions for diverse BTL investments:
- Standard Buy to Let Mortgages: Up to 80% LTV for single lets in London or Manchester.
- HMO Mortgages: For multi-tenant properties yielding 8–12% in Leeds or Bristol—see our HMO mortgages page.
- Portfolio Mortgages: Portfolio funding for multiple properties, ideal for large portfolio landlords.
- Interest-Only Mortgages: Reduce monthly payments for cashflow flexibility, popular for high-yield HMOs.
- Limited Company Mortgages: Tax-efficient structures to mitigate Section 24 restrictions.
- Bridging to Buy to Let: Short-term finance for quick purchases, transitioning to long-term mortgages—see our bridging loan page
Costs of UK Buy to Let Mortgages
Costs to expect:
- Interest Rates: slightly higher than residential mortgages due to rental risks.
- Deposits: 20 to 25%
- Fees: Arrangement, valuation, and legal fees
Fox Davidson’s expertise minimises these costs by securing competitive terms from across the market.
Success Stories: Buy to Let Mortgages Across the UK
- Manchester Flat: Secured a £200k BTL mortgage, 85% LTV, yielding 6.5% for a first-time landlord (completed in 5 weeks).
- Birmingham HMO Portfolio: Refinanced 5 properties, releasing £1m for expansion, saving £2,500/month (April 2025).
- Leeds Student Let: Funded a £350k HMO, 80% LTV, with a 10% yield for a limited company.
- London Buy to Let: Arranged a £500k mortgage, 75% LTV, for a professional rental, completed in 6 weeks.
Explore more case studies. Why Choose Fox Davidson as Your Buy to Let Mortgage Broker?
- Rental Market Expertise: Deep knowledge of UK rental yields (5.7–12%) and landlord regulations.
- Lender Relationships: 100+ partners, including high street and private banks and broker-only lenders.
- Proven Track Record: Millions secured since 2013 for first-time and portfolio landlords.
- Award-Winning Service: FCA-regulated, 5-star reviews for personalised advice.
- Fee-Free Initial Consultations: Transparent process with same-day responses.
Meet our buy to let team in the UK
Frequently Asked Questions (FAQs) on Buy to Let Mortgages in the UK
Typically 20–25% with most lenders lending up to 75%
Yes,first time landlords can secure buy to let mortgages subject to criteria.
Manchester, Birmingham, Leeds, and Bristol offer yields of 5.7–12% (Land Registry, 2024).
Yes, for tax-efficient structures under Section 24, ideal for portfolio landlords.
4–8 weeks, with decisions in principle within 24–48 hours for urgent deals.
Yes, with lender consent to avoid breaching agreements, ensuring compliance with mortgage terms.
Comply with EPC ratings (C or above by 2030), tenancy deposit schemes, and safety regulations.
Yes, first time buyers can secure a buy to let mortgage in the UK. They must pass specific first time buyer buy to let criteria.
Email enquiry@foxdavidson.co.uk for more answers.
Secure Your Buy to Let Mortgage in the UK Today
Ready to unlock high-yield BTL investments? Fox Davidson’s buy to let mortgage brokers deliver tailored solutions for properties across the UK.
