Whether you are investing in your first rental property or growing your portfolio, getting the right buy to let mortgage is key. Mortgage Heroes help landlords compare deals across the market and secure the right finance for their investment goals.
We compare mortgages to find the right deal for your situation. From high street banks to specialist lenders, we compare thousands of deals to secure the right mortgage for you.
A buy to let mortgage is designed for people purchasing a property to rent out rather than live in.
Unlike residential mortgages, lenders assess:
If you’re purchasing your first property, see our First Time Buyer Mortgages page.
If you’re restructuring your borrowing, Remortgaging may help optimise your portfolio.
Borrowing is typically based on the rental income the property can generate, rather than just your personal income.
Most lenders require the rental income to cover around 125% to 145% of the mortgage payments, although this varies.
We’ll assess your situation and help you understand what’s possible before you commit to a property.
Buy to let mortgages usually require a larger deposit than residential mortgages.
A larger deposit can:
As well as your deposit, you will need to consider:
We’ll help you plan for both the upfront costs and ongoing expenses.
We support both:
If you are new to buy to let, we will guide you through the process, lender requirements, and what to expect as a landlord.
If you already own multiple properties, we help structure your borrowing, review your portfolio, and find competitive deals across the market.
Buy to let mortgages can be more complex than standard residential deals.
We:
We help you build and finance your property investment with confidence.
When we talk about protection, we’re talking about insurance, cover that steps in when life doesn’t go to plan. Whether it’s life assurance, critical illness cover, or income protection, it’s all designed to support you and your family when you need it most.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters. We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances. With our support, you can feel confident you’re making the right choice for yourself and your family.
Life assurance is designed to give your loved ones financial support if you’re no longer around. It pays out a lump sum if you pass away during the policy term, helping cover things like the mortgage, day-to-day living costs, or future plans such as education.
It’s not something anyone likes to think about, but having cover in place can bring real peace of mind. You’ll know that, whatever happens, the people who matter most to you will be taken care of.
There are different types of life assurance depending on your needs, and we’re here to help you choose the right one, with clear, honest advice that puts your family’s future first.
Critical Illness Cover is designed to give you financial support if you’re diagnosed with a serious illness like cancer, a heart attack, or a stroke. It pays out a one-off lump sum that you can use however you need, to help cover your mortgage, household bills, or even private treatment while you focus on getting better.
It’s not always easy to think about these things, but planning ahead means you won’t have to rely on savings or loved ones if your health takes a turn. We’ll help you choose the right cover, based on your needs and budget, with clear advice and no pressure.
Income Protection is designed to support you financially if you can’t work due to illness or injury. It pays out a regular monthly income to help you cover essential bills, like your mortgage or rent, utilities, and everyday living costs, so you can focus on recovery, not money worries.
Whether you’re employed or self-employed, this cover acts as a financial safety net when your usual income stops. We’ll help you find the right policy for your needs and budget, with clear, honest advice and no pressure.
ASU cover is designed to give you short-term financial support if you can’t work due to illness, injury, or redundancy. It pays a monthly income to help you manage essential costs like your mortgage or rent, bills, and day-to-day living expenses, giving you breathing space when life takes an unexpected turn.
It’s particularly useful if you don’t have much in savings or your employer offers limited sick pay or redundancy support. We’ll guide you through your options and help you decide if ASU cover is the right fit for your circumstances, with no jargon or pressure.
Your home is likely to be your most valuable asset, and what’s inside it matters just as much. Buildings and contents insurance protects both the structure of your home and your belongings, giving you peace of mind that, if the unexpected happens, you won’t be left facing the cost alone.
Whether it’s damage from a fire, flood, or storm, or the loss of personal items due to theft, this cover helps you put things right. We’ll help you find the right level of protection for your home and everything in it, at a fair price, with no jargon and no pressure.
Family Income Benefit is a type of life insurance that pays out a regular monthly income to your loved ones if you pass away during the policy term. Instead of a one-off lump sum, it provides steady financial support, helping cover everyday living costs, household bills, and family expenses over time.
It’s designed to make life easier for those left behind, offering practical support when it’s needed most. We’ll help you choose the right cover for your family, with advice that’s clear, personal, and pressure-free.
Whether you are buying your first rental or expanding your portfolio, Mortgage Heroes can help you secure the right buy to let mortgage for your plans.
Get expert mortgage advice, compare deals from across the market, and find out how much you can borrow.
A mortgage designed for properties that will be rented out rather than lived in by the owner.
