BTL mortgages

BTL Mortgages is where landlords find clear, independent coverage of the buy to let lending market.

We track rate moves, criteria shifts and affordability rules across mainstream and specialist lenders, with plain-English explainers on stress testing, interest cover ratios and portfolio-landlord underwriting. Articles compare fixed, tracker and variable products, product transfers versus remortgages, and the pros and cons of borrowing personally or through a company.

We also look at lending for HMOs, MUFBs, holiday lets and energy-efficiency upgrades, plus valuation, legals and refinancing timetables. Everything is written for busy landlords who need practical answers before speaking to a broker or their solicitor. If you want to understand how a change in rent, LTV or yield alters what you can borrow, or how to prepare for refinancing, start here and then explore the related guides and case studies.

We publish lender-by-lender updates and practical checklists to help you pass stress tests, assemble documents and time your product switch without unnecessary fees.