Buy to Let Mortgages – Best Buy to Let Deals from 100s of Lenders

Are you a landlord or property investor ready to get quotes? Doulton Bridging Finance can help you achieve your investment goals with our comprehensive buy to let mortgage solutions. We offer competitive rates and access to a wide range of products designed to meet the specific needs of landlords – from first-time landlords purchasing their first rental property to experienced investors managing large portfolios.

Current Buy to Let Mortgage Rates (March 2026)

Rates change daily and depend on your loan-to-value, rental yield, property type, and personal circumstances. The following are indicative market rates as of March 2026:

• 2-Year Fixed Rate: Average market rate from approximately 4.70% per annum

• 3-Year Fixed Rate: Best available rates from approximately 3.20% per annum

• 5-Year Fixed Rate: Best available rates from approximately 3.43% per annum

• 5-Year Variable Rate: From approximately 4.25% per annum

• HMO and Multi-let Mortgages: Specialist rates available – contact us for a tailored quote

• Limited Company BTL: Specialist rates available through our lender panel

• Portfolio Landlord Mortgages: Bespoke pricing based on whole-portfolio assessment

Your actual rate will depend on your individual circumstances. As independent whole-of-market brokers, we search 100s of lenders to find the most competitive deal available to you.

Buy to Let Mortgages

Investing in rental property is one of the most popular ways to generate long-term income and build wealth in the UK. Whether you are purchasing your first buy to let property or expanding an existing portfolio, securing the right mortgage is essential to making your investment work.

Key features include:

• Interest-Only Repayments: Most buy to let mortgages are interest-only, meaning your monthly payments cover only the interest charged. This keeps monthly costs low and maximises rental yield. The original loan amount is repaid at the end of the term, typically through sale of the property or remortgaging.

• Rental Income Assessment: Lenders typically require the projected monthly rental income to cover 125%–145% of the monthly interest payment. We calculate this for you before recommending a lender.

• Minimum 25% Deposit: Most lenders require a deposit of at least 25% of the property value (75% LTV). The most competitive rates become available at 40% LTV and above.

• Fixed and Variable Rate Options: Choose from 2-year, 3-year, or 5-year fixed rates for payment certainty, or a tracker or variable rate if you expect interest rates to fall.

• Limited Company BTL: Many landlords now purchase through a Special Purpose Vehicle (SPV) or limited company for tax efficiency. We access a wide range of lenders who lend to SPVs and limited companies.

• Portfolio Landlord Mortgages: If you own four or more mortgaged buy to let properties, you are classified as a portfolio landlord. Many specialist lenders require portfolio applications to be submitted through a broker.

Types of Buy to Let Mortgage We Can Arrange

• Standard Buy to Let: For single residential rental properties purchased in personal names.

• HMO Mortgages: Houses in multiple occupation generate higher rental yields and require specialist lenders. We access the full HMO mortgage market.

• Multi-Unit Freehold Block (MUFB): Mortgages for blocks of flats or multiple self-contained units on a single title.

• Limited Company / SPV Buy to Let: For landlords purchasing through a Special Purpose Vehicle or limited company structure.

• Portfolio Landlord Mortgages: Whole-portfolio assessment for landlords with four or more mortgaged buy to let properties.

• Bridge-to-Let: Fast bridging finance to purchase or refurbish a property, then refinanced onto a long-term BTL mortgage on completion. We specialise in this route for auction purchases and unmortgageable properties.

• Expat Buy to Let Mortgages: For UK nationals living abroad who wish to invest in UK rental property.

• Holiday Let Mortgages: For short-term furnished holiday lettings (FHL) including Airbnb-style properties.

Why Choose Doulton Bridging Finance for Your Buy to Let Mortgage?

• Whole-of-Market Access: We are not tied to any lender. We compare 100s of buy to let mortgage products to find the best deal for your circumstances.

• Independent Advice: Our only goal is to find the most suitable mortgage for you – not to promote any particular lender's products.

• Specialist Expertise: Our team has in-depth knowledge of the buy to let market, including complex scenarios such as HMOs, portfolio landlords, limited company applications, and bridge-to-let transactions.

• Bridge-to-Let Specialists: As bridging finance specialists, we are uniquely placed to help investors purchase properties at auction or properties that require refurbishment, combining fast bridging finance with a smooth refinance onto a BTL mortgage.

• Adverse Credit Considered: We have access to specialist lenders who consider applications from landlords with impaired credit histories.

• Fast Turnaround: For time-sensitive deals, we can move quickly. Emergency bridging for auction purchases can be arranged within days.

• No Hidden Fees: We are transparent about all costs and fees from the outset.

• Dedicated Support: You will have a named adviser who manages your case from initial enquiry through to completion.

Additional Tips for Buy to Let Investors

• Calculate Your Rental Yield: Before committing to a purchase, ensure the projected rental income comfortably exceeds your mortgage interest payments and other property costs.

• Consider the Tax Position: Mortgage interest relief for individual landlords is now restricted. Many landlords purchase through a limited company to improve their tax position. Seek independent tax advice.

• Factor in Void Periods: Allow for periods when the property may be unoccupied. Lenders and rental income calculations typically assume around 10% void allowance.

• Review Your Portfolio Regularly: Remortgaging at the end of a fixed rate period can significantly reduce costs. We can review your existing portfolio and find better deals across all your properties.

• Use a Specialist Broker: Many of the best buy to let mortgage rates are only available through intermediaries. Applying directly to a lender means you will miss a large portion of the market.