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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?

Thinking of getting into property investment? If you’re a First-Time Landlord, there are a few things to be aware of—but don’t worry, you’re not alone. As a trusted Buy to let mortgage Broker in Warrington, we’ve helped many first-time investors navigate the process with confidence.

Are There Any Restrictions?

If you’ve already owned your residential property for at least 6 months, you’re already meeting a key requirement many lenders look for. Apart from that, the criteria for First-Time Landlords and more experienced investors are often quite similar.

How Much Deposit Do I Need?

A 25% deposit is the current standard for most Buy to Let mortgage deals, giving you access to competitive interest rates. However, if you can contribute more—perhaps 40% to 50%—you could unlock even better rates. Smaller deposits might also be possible depending on the lender.

Can the Deposit Come from a Gift or Loan?

Yes, your deposit doesn’t necessarily have to come from your own savings. Many lenders are open to gifted deposits (often from family) or even loans, though some may prefer personal contributions. As your Buy to let mortgage Broker Warrington, we’ll help match you with lenders who fit your situation.

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

Some lenders offer up to 85% LTV, though it’s worth noting that higher LTVs often come with higher interest rates and tighter terms. We’ll guide you on what’s realistic for your circumstances.

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

You absolutely can. While having no UK credit profile may lead to slightly higher rates, there are still plenty of lending options available. We’ve worked with many overseas clients looking to invest in UK property.

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

Not at all. It’s common for someone to be both a First-Time Buyer and First-Time Landlord. You might face a few additional checks during underwriting, but we’ll prepare everything with care to ensure your application is solid from the start.

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

Whether you’re investing for the first time, remortgaging to raise capital, or expanding your portfolio, we offer advice that’s tailored to your goals.

  • 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?

As long as your reason for capital raising is legal, most lenders are happy to proceed. Whether it’s for home improvements, another investment, or personal needs—we’ll help you find the right deal.

Final Thoughts

Whether you’re investing in a single flat or building a property portfolio, we bring the same passion and dedication to every case. Mortgages might not be exciting for everyone, but we genuinely love what we do.

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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