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

  • Very pleased all staff very helpful. would use again.
    andrew richards
  • excellent service megan was a delight to deal with
    NEIL S
  • easy and very quick,got a good deal thanks
    Mr Whiting
  • Excellent service..
  • I really cannot fault Mortgagekey at all. From start to finish the staff were helpful and gave good advice, as well as keeping me updated with regard...
    marie baldwin
  • Really great efficient service with great product sourced
    Claire Parker
  • We had difficulty obtaining and mortgage and further difficulty completing our remortgage but Mortgage Key supported us every step of they way. They ...
    Laura-Joy Tallett
  • First class,quick,efficient and friendly.
    Paul Galluccio
  • Lots of communication throughout, very efficient company.
  • Mortgagekey were fantastic in helping me and my partner with securing mortgage on our new home. Georgia Hardcastle was superb from professional point ...
    Mr T
  • Very fast efficient service
  • Karl Rayne was excellent, he found me a super deal and kept me up to date at every step of the way. Thanks.
    Nicole Varwell
  • Good communication from Mortgagekey, and so far so good, all seems to be going well. Would have no hesitation in recommending Mortgagekey.
    Wendy Wright
  • Wonderful service. As a first time buyer I would not hesitate to recommend. Thank you !!!
    Michael Spaul
  • As always, this is the second time I have used Mortgagekey. Everything is always seamless. There is no stress. Everything ticks along nicely in the ba...
    Catherine Howard
  • 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.

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