Award Winning Buy to Let Mortgage Deals

Helping you purchase property as an investment


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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

  • Efficient , great customer service and an easy process.
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
  • Mortgagekey have been excellent so far in helping me and my partner, always happy to help and keep us up to date with the status of our mortgage appli...
  • A perfect customer experience from start to finish: knowledgeable, reliable and lovely to talk to. Thank you Sally! X
    Michael Spaul
  • Extremely efficient and friendly and nothing is too much, they keep you informed every step of the way excellent service would highly recommend.
    Leanne Palmer
  • I have used Mortgagekey to remortgage two properties three times now. They have been excellent at every step of the way - and they got us great rates!
  • I would recommend mortgagekey because their professional service and keeping on top of things in a very difficult time and always keeping me up to da...
  • Within a couple of hours Jamie had found us a lender after we were let down by our own bank that we have been with for over 30 years. Everything went ...
  • Absolutely amazing service! Rory was fantastic from beginning to end- reassured me no end too! I would strongly recommend using Mortgage Key to anyo...
    S M Dalby
  • Excellent help to get a remortgage . Thank you . Efficient and knowledgeable.
    Laura R
  • Dealing with mortgage key has been effortless. Callum has made me feel at ease during the whole process and to be honest I cannot think of one bad thi...
    Daniel Mitchell
  • Always give excellent advice and service
    Nicola Rice
  • Really good service with these guys. The whole team were really informative through out even through the covid 19 pandemic! Couldn’t recommend more!...
    Leo Berry
  • Excellent service..very friendly and knowledgeable advisors...thank you Tracy..I can thoroughly recommend them. This is the fourth time I've used them...
    Pamela Davey
  • Great service, offer within 12 hours.
    Mr Daly
  • Superb from start to finish
  • At the beginning of the Coronavirus pandemic, I was close to signing a new mortgage deal which was nearly £200 more expensive than the deal they have...
    Benjamin Bailey

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