Mortgages
Buy to Let
Build your property portfolio with confidence
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A buy-to-let mortgage is a smart way to invest in property and generate rental income—whether you’re a first-time landlord or looking to expand your portfolio. At Trent Finance, we help you navigate the unique criteria of buy-to-let lending, ensuring you make informed, strategic decisions from the outset.
How Do Buy-to-Let Mortgages Work?
Buy-to-let mortgages are typically interest-only, meaning your monthly payments cover only the interest on the loan—not the capital. This helps keep your monthly outgoings lower while maximising rental profits.
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You can choose between fixed or variable rate options depending on your preference for rate stability or flexibility. We’ll explain the pros and cons of each and match you with a lender that suits your investment goals.
What Happens at the End of the Term?
At the end of your mortgage term, you’ll need to repay the full loan amount. Most landlords plan to do this by either selling the property or refinancing.
If your property has increased in value, you may be able to make a profit—but it’s important to factor in the risks of market fluctuations.
Who Can Get a Buy-to-Let Mortgage?
Buy-to-let mortgages are available to both new and experienced landlords. To qualify, most lenders will expect:
A minimum annual income of £25,000
A strong credit history
A realistic rental income forecast, typically assessed using an Interest Coverage Ratio (ICR)—this means your rental income should exceed your mortgage payment by a set percentage (often 125–145%, stress-tested at around 5.5%).
We’ll help you understand how lenders assess affordability and what documentation you’ll need to apply smoothly.
Why Use Trent Finance?
Buy-to-let mortgages involve different criteria, tax considerations, and long-term strategies. With our whole-of-market access and experience working with landlords, we’ll ensure your mortgage supports—not hinders—your investment plans. We also liaise with your legal and property team (including our sister company, Trent Estate Agents) for a seamless transaction from offer to completion.
