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Buy-To-Let Mortgages

Buy-to-let (BTL) mortgages are available if you are a self-employed business owner. Just because you already run a business does not mean you cannot become a landlord as well. If you are looking to purchase a property and intend to rent it out, rather than live there, you need a specific BTL mortgage.

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What is a buy-to-let mortgage?

Buy-to-let (BTL) mortgages are available if you are a self-employed business owner. Just because you already run a business does not mean you cannot become a landlord as well. If you are looking to purchase a property and intend to rent it out, rather than live there, you need a specific BTL mortgage.

Buy-to-let mortgage application process​

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Self-employed landlords have the same access to buy-to-let mortgages as employed applicants: you just have a few more hurdles to jump over to get the best deals. Over recent years, we have seen banks easing the criteria for self-employed mortgage applicants, and particularly for buy-to-let mortgages, so your luck is in!

There is not much difference in the process of applying for a BTL mortgage when you are employed as opposed to a BTL mortgage when you are self-employed. The key is preparation and coming at the application in a structured and methodical way.

Self-employed criteria on a buy-to-let mortgage​

Self-employed mortgage applicants are subject to similar eligibility criteria as an employed applicant for a buy-to-let mortgage. Age of the applicant, credit history, landlord experience and other factors will all still be applicable.

Lenders of buy-to-let mortgages will typically ask for a larger deposit than a residential mortgage, this varies between lenders, but you should expect to have around 20-25% deposit ready. As a self-employed applicant, you should aim to have at least 3 years’ worth of accounts for your application, but if you are struggling, do not panic: speak to our team as there may be a lender who needs fewer.

The BTL mortgage criteria that a self-employed applicant will need to meet varies from bank to bank; reduce the stress, limit your workload, and let us do the mortgage legwork for you. You can concentrate on finding a property and running your business.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Expert buy-to-let mortgage advisers

Active has a team of buy-to-let mortgage advisers that are experts at working with self-employed clients, securing deals, and making their property dreams a reality. Whether it is your first or your tenth property, Active’s buy-to-let mortgage team will guide you through the process from application to completion.

Our buy-to-let expert mortgage advisers work with the UK’s self-employed business owners to find them top mortgage deals, and it is easy to book a consultation with a specialist. We will work with you to find out what you can afford, what type of rental property you are looking to buy and more about your circumstances, so we are primed to find a mortgage deal that a hard-working, self-employed entrepreneur deserves.

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to invest in your future with a mortgage tailored to your goals

Trust our team to find the perfect mortgage for your budget and lifestyle.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Trust our team to find the perfect mortgage for your budget and lifestyle.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Make your dream property a reality

Make your dream home a reality

What our customers say

Daniel Couchman
Daniel Couchman
12 January 2024
This review is long overdue - Active mortgages got us our dream home! I spoke with around 7 different brokers from different companies which didn’t know what they were talking about but then I found Simon at active - he was straight to the point and got us the best deal and the highest amount possible. I got a bit impatient at one point but that was due to the banks taking ages to process everything - active were calm and reassured us. Highly recommended. Excellent from start to finish Even sent us a gift for Xmas - thank you!
Meena Kanagavel
Meena Kanagavel
2 January 2024
Jamie Murray from Active Mortgages has been amazing in setting up the VAT loan, whilst we purchased our Land. Right from the start, Jamie has been proactive in finding the correct (BEST) deals for us and ensured everyone is aligned to complete on time.Highly recommend using Active Mortgages, and we would certainly be using them again for future projects.Thanks once again Jamie for all your support throughout Dec, appreciate your efforts in making sure our purchase was done on time. Many thanks Meena (and Mark Jones)
Stefan Stancila
Stefan Stancila
21 December 2023
Comprehensive advice from Jamie & easy communication through remortgage process . Recommend!
Yasmin Bates
Yasmin Bates
20 December 2023
Jamie has made the whole process of buying a house very straightforward, especially for self employed. Would 100% recommend and would use again too!
Gerard
Gerard
19 December 2023
Good experience, helped us every step of the way.
darren john coggins
darren john coggins
12 December 2023
Dan has been great from start to finish. As a first time buyer it can be quite overwhelming and confusing but Dan has went above and beyond. His process was very easy, efficient and we could not recommend him enough!
FUNMI AKINLAMI
FUNMI AKINLAMI
7 December 2023
Excellent service, hard working staff
akinlami akinwale
akinlami akinwale
7 December 2023
Excellent service, very patient and willing to help staff
Michael Bennett
Michael Bennett
5 December 2023
Dan has been great from the first phone call. He has made everything simple and taken the time to explain everything to me as a first time buyer, answering any questions I have along the way, highly recommend
james whitaker
james whitaker
31 October 2023
Great professional service highly recommended for anything financial
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Book a call with one of our team to talk about your requirements.