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Buy to Let Mortgage

More standard but always a great way to start any portfolio aspirations off, whether these be big or small!

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I’m a First-Time Landlord, any restrictions?

Stepping into the world of property investment for the first time? Whether you’re buying a single flat or planning to build a portfolio, there are a few key things to know. As an experienced Buy to let mortgage Broker in Liverpool, we’re here to guide First-Time Landlords through every step of the process.

Are There Any Restrictions?

If you’ve owned your main residence for at least six months, that’s a big tick,  many lenders see that as a basic requirement. Aside from that, the criteria for First-Time Landlords and experienced property owners are largely similar.

How Much Deposit Do I Need?

A 25% deposit remains the standard for securing a solid Buy to Let mortgage. It opens up access to competitive rates. If you’re in a position to contribute more—say 40% to 50%—you could unlock even better deals. Smaller deposits might also be considered by select lenders.

Can the Deposit Come from a Gift or Loan?

In many cases, yes. While most lenders prefer the deposit to come from your own funds, gifted deposits (often from family) and even loans are sometimes accepted. As your local Buy to let mortgage Broker Liverpool, we’ll help you explore all your options.

What’s the Maximum Loan-to-Value (LTV)?

Some lenders offer up to 85% Loan-to-Value (LTV), though the higher you go, the fewer attractive rates you’ll find. We’ll help you weigh up your deposit against monthly costs to find the most suitable balance.

I’m a Foreign Investor — Can I Still Apply?

Yes, even if you don’t have a UK credit profile, there are still mortgage options available. Rates might be slightly higher, but we’ve worked with many international clients looking to invest in Liverpool and across the UK.

I Don’t Own Any Other Property — Is That an Issue?

Not at all. It’s entirely possible to be both a First-Time Buyer and First-Time Landlord. There may be a few extra checks during the process, but we’ll walk you through everything to make sure your application is as strong as possible.

Need Expert Advice? Speak to a Buy to Let Mortgage Broker in Liverpool

Whether you’re buying your first investment property, remortgaging to raise capital, or planning long-term growth, we offer tailored advice and full support from start to finish.

  • 1

    We will have a chat about your plans and goals.

  • 2

    You receive tailored recommendations, quotes & next steps.

  • 3

    We submit your application and manage everything to completion.
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Remortgaging to Raise Funds?

Many lenders are flexible when it comes to capital raising—so long as the funds are for a legal purpose, you’re in a strong position to proceed. Whether it’s for home improvements, another investment, or personal goals, we can help find a lender who fits your needs.

Final Thoughts

No matter the size of your property plans, we bring the same energy, focus, and care to every mortgage. We understand that talking rates and lenders may not be everyone’s cup of tea, but it’s something we genuinely love doing.

Registered in England and Wales No. 16065530

The Wright Mortgage Broker is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register:

https://register.fca.org.uk/s/ under reference 1023919.

The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Ltd Companies.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Typically there will be a fee for mortgage advice, the precise amount will depend on your circumstances which you will be made aware of before you choose to proceed, but typically this is £450.00.

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© 2025 The Wright Mortgage Broker Ltd

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Not all services we offer are covered by the FCA

Commission Disclosure: We are a credit broker and not a lender.  We have access to an extensive range of lenders.  Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation.  Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction.  The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender.  Commission paid to us may vary in amount depending on the lender and the product.  The lenders we work with pay commission at different rates.  However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call 01708 676110.  If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk

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