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Frequently asked questions

What is a buy-to-let mortgage?
A buy-to-let mortgage is a loan secured against a property purchased to rent out to tenants. Typically, affordability of the loan is based on a rental calculation.

How much can I typically borrow?
Currently finance is available for up to 85% of the value of the investment property, subject to lending criteria. Click here  to obtain a buy-to-let mortgage quote.

What types of buy-to-let mortgage interest rates are available?
The types of buy-to-let mortgage interest rates available are similar to residential mortgages. There are fixed rates and variable tracker rates available; variable rates may track Bank of England Base Rate or London Inter-Bank Offered Rate (LIBOR).

What methods of repayment are available?
Customers can choose either interest only or capital repayment methods. Please note that all Landlord Centre quotes are given on an interest-only basis. For a part capital and interest and part repayment quote please contact our support team.

Are buy-to-let mortgages regulated?
Currently the FCA (FCA) does not regulate most buy-to-let mortgage transactions. The exception to this is if the applicant or a related person intends to occupy 40% or more of the investment property, in which case the mortgage is regulated by the FCA in the same way as a residential mortgage.

Am I required by law to obtain an Energy Performance Certificate (EPC)?
EU legislation requires landlords to obtain an EPC for properties being marketed for rent. The EPC is valid for 10 years. Click here to find out about Landlord Centre's EPCs.

Will I be required to take out any compulsory insurance?
Although it is not a legal requirement to have building insurance for a rental property, if you have a buy-to-let mortgage most lenders will require that you have building insurance for the property to provide additional security for the loan. Click here to find out about Landlord Centre's building and contents insurance.