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Buy-To-Let Mortgage

Buy-to-Let Mortgages – Maximise Your Investment Potential

Whether you’re an experienced landlord or just starting in property investment, securing the right buy-to-let mortgage is essential to maximising your returns. At SMG Mortgages, we specialise in finding the best mortgage solutions—whether you’re purchasing as an individual or through a limited company.

What is a Buy-to-Let Mortgage?

A buy-to-let (BTL) mortgage is designed for properties bought as investments rather than personal residences. These mortgages typically have different lending criteria than standard residential loans, including:

  • Higher deposit requirements (usually 20-25% minimum)
  • Interest-only or repayment mortgage options
  • Rental income requirements (most lenders expect rental income to cover at least 125-145% of mortgage payments)

Should You Buy as an Individual or Through a Limited Company?

When investing in buy-to-let property, you can buy as an individual or through a Special Purpose Vehicle (SPV) limited company. Each option has its benefits:

Buying as an Individual

  • Simpler process with fewer legal and administrative requirements
  • More lender options and potentially lower interest rates
  • Rental profits subject to personal income tax

Buying Through a Limited Company

  • Potential tax advantages, as corporation tax may be lower than personal income tax
  • Mortgage interest is fully deductible as a business expense
  • Suitable for landlords looking to build a property portfolio
  • Fewer lender options, but a growing number of specialist buy-to-let lenders

Deciding which route is best depends on your long-term goals, tax situation, and borrowing needs. Our mortgage experts can help you determine the most suitable strategy for your investment.

How We Can Help

At SMG Mortgages, we have access to a wide range of buy-to-let lenders, including those offering specialist limited company mortgages. We guide you through the entire process to ensure you secure the best deal for your investment.

Our Buy-to-Let Mortgage Services

  • Access to a Wide Range of Lenders – We compare thousands of buy-to-let deals to find the most competitive options
  • Advice for Individuals & Limited Companies – Tailored support based on your investment structure
  • Portfolio Landlord Support – Whether it’s your first property or your tenth, we assist with complex cases
  • Expert Guidance on Lending Criteria – Helping you meet rental income requirements, stress tests, and affordability rules
  • Hassle-Free Application Process – We handle paperwork, lender negotiations, and ensure a smooth mortgage journey

Start Your Buy-to-Let Journey Today

Whether you’re looking to expand your portfolio or make your first property investment, we’re here to help you find the right mortgage. Get in touch today for expert advice and personalised mortgage solutions.

📞 Contact SMG Mortgages Now