Buy to Let Mortgages

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For many people, investing in a Buy To Let property is the next step in their property journey, so ensuring you have the most appropriate mortgage in place is essential to ensure you maximise the long returns on your investment.

At Principle Finance our experienced mortgage advisers are on hand to find the most suitable Buy To Let mortgage for you, regardless of whether you are a first time buy to let investor or an experienced investor looking to add another property to your existing portfolio.

Depending on your existing circumstances and long-term objectives, we can advise on the most suitable type of mortgage, be it interest only or repayment, as well as how this is likely to affect your tax position.

Contact one of our experienced mortgage advisors today to discuss your Buy To Let mortgage requirements.

For company Buy To Let mortgages, please click here. 

The financial conduct Authority does not regulate commercial buy to lets.

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It’s easy to get a quote. Simply complete this form and a member of our team will happily be in touch.

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Why choose Principle Finance

We are a finance company built on strong principles! We are on a mission to be honest, customers focused and comprehensive.

  • You’ll have a dedicated point of contact.
  • We’ll only provide you with the best deals.
  • Hundreds of happy customers.
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2 minute online process

Our online form will take no longer than 2 minutes!

Response within 4 hours

We’ll get back to you within 4 hours during office time.

Tracked application progress

Your application is tracked so you can check progress.

Our process is simple

From business to personal, we are experts in providing loans, mortgages and insurance services.

  • Apply Online directly with our team of experts.
  • Get a quote from top UK lenders.
  • Approve your finance.
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“Great communication and made everything easy. Highly recommend”

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Frequently Asked Questions

Here are a few of the commonly asked questions we get.
But if you need something answering you don’t see, contact us.

  • The amount you can borrow depends on how much you earn and how much of a deposit you have to put down. You’ll only be allowed to borrow what the lender thinks you can afford, so as a general rule, they’ll restrict the amount you can borrow if you’re buying on your own to around four times your income, or if you are buying with someone, about three times your combined income. This can vary from lender to lender and will take into account any outstanding debts and other outgoings, so it’s worth chatting to one of our advisors first.

  • The minimum deposit that some lenders will accept is 5% of the property value. However, if you only save this amount then your options could be limited, as most lenders will only offer mortgages to those with a minimum of 10% deposit. For example, if you want to buy a home for £200,000 you’ll need to put down a £20,000 deposit. The more you can afford to put down as a deposit, the wider the choice of mortgages you will have access to and the cheaper they will be.

  • First-time buyers will not pay stamp duty on the first £300,000 of any home costing up to £500,000 (and only 5% on any proportion between £300k and £500k). For properties costing more than £500,000, you will be buying under the standard system.

  • Yes – you may have to pay an arrangement fee on your mortgage, which are normally around £1,000. You’ll also need to factor in any legal bills and any moving costs too.