Buy-to Let Mortgages

When you decide to undertake a buy-to-let investment project, profit and future value are the top of your priority list. At Ramsay & White, we aim to simplify the buy-to-let mortgage process. By cutting time and cost, we help you get that first month’s rent into your account, fast.

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Our Areas of Expertise

Our BTL Mortgages Services

Our team of experts in Cardiff can guide you through every step of the buy-to-let mortgage process.

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Buy-to-Let Mortgages

With in-depth knowledge of the current market and a wide range of mortgage options, our team specialises in helping investors secure the right mortgage for their investment properties.

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Portfolio Management

We provide ongoing portfolio management services to ensure the success of your property investments, including regular reviews, performance analysis, and recommendations for optimising your portfolio.

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Search & Analysis

Our experts conduct a comprehensive search and analysis of properties to find the best investment opportunities based on your preferences and goals, with a deep understanding of the UK property market and local areas.

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Application & Approval

We handle the entire mortgage application and approval process, ensuring that you receive the best possible rates and terms for your investment, with personalised support and guidance throughout the process.

Buy-To-Let FAQs

Find answers to the most commonly asked questions about our buy-to-let mortgage services.

What is a Buy-To-Let Mortgage?
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A buy-to-let mortgage is a type of mortgage used to purchase a property that will be rented out to tenants. At Ramsay & White in Cardiff, we offer competitive rates on buy-to-let mortgages to help you generate income from your property investments.

What are the eligibility criteria for a Buy-To-Let Mortgage?
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The eligibility criteria for a buy-to-let mortgage can vary depending on the lender. However, at Ramsay & White, we consider factors such as the value of the property, rental income, and the borrower's credit history when assessing your eligibility for a buy-to-let mortgage.

What types of Buy-To-Let Mortgages are available?
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At Ramsay & White, we offer a range of buy-to-let mortgage options to suit your needs, including fixed-rate mortgages, variable-rate mortgages, and tracker mortgages. Our expert advisors can help you find the right option for you.

What is the maximum loan-to-value (LTV) ratio for a Buy-To-Let Mortgage?
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The maximum loan-to-value ratio for a buy-to-let mortgage can vary depending on the lender and the borrower's circumstances. However, at Ramsay & White, we can offer up to 75% to 80% LTV, subject to eligibility criteria.

What is the minimum deposit required for a Buy-To-Let Mortgage?
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The minimum deposit required for a buy-to-let mortgage can vary depending on the lender and the borrower's circumstances. However, at Ramsay & White, we offer buy-to-let mortgages with deposits as low as 25% to 30% of the property value.

Can you move into your own buy-to-let property?
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While it’s not illegal to live in your own buy-to-let property, it’s probably against your mortgage agreement. Breaching these terms could give your lender the right to demand a full repayment. And if you can’t pay, your property could be repossessed.

Can you buy-to-let as a first-time buyer?
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Yes, you can. But it’s a lot more difficult than if you’re already on the property ladder. If you’re a first-time buyer, you don’t have a proven history as a homeowner or landlord. That makes you a greater risk to buy-to-let mortgage providers. Many lenders simply don’t offer buy-to-let mortgages to first-time buyers. And those who do are much more likely to demand a higher-than-average deposit, charge more interest and expect a higher projected rental income.

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Have more questions?
Schedule a call with our Team

Client Testimonials

Hear what our clients have to say about their experience working with us on their buy-to-let property investments.

Thank you for another easy re-mortgage on one of our properties. You guys are always so helpful and keep us informed each step of the way! We couldn't do what we do with you and your team.

Felicity Antill

Great service from Ramsay & White. Joel took the time to meet via zoom to fully understand my requirements before recommending any services/products moving forward. Will Roberts provided weekly+ updates for remortgage and quickly found alternative offers when required. Remortgage completed quickly and without any issues. Excellent customer service, friendly and professional. I would highly recommend!

Ray Dainton

Great service from Indigo at Ramsay & White. She is very knowledgable and super responsive - and has got the mortgage offer through in record time! Thank you so much for all of your time and support, Indigo.

Nadine Jump

I've completed multiple mortgages with help from Chris at Ramsay & White, and intend to do many more, because of Chris's overall excellent service. I would highly recommend. Thanks Chris.

Matt W.

Worked for Joel and the whole team for over 4 years now. Residential, commercial and bridging finance. Always super professional, quick, efficient, helpful and on the end of a call anytime. Highly recommended and we see them as an extension of our own team.

Steven Pardoe

We did our mortgage and remortgage with Hannah Price, she was fantastic! She was very knowledgable and helped us find the best offers for us! I would definitely recommend her to anyone!

Jordanne Casburn

Glad I used Ramsay & White (Jordan and Dean in particular) for a BTL mortgage. They were professional and responsive, and I was able to get an offer from the bank in timely manner. I would highly recommend R&W, they are great!

Emmanuel Unuigboje

Special thanks to Olly & Will for helping me as a first time buyer. Replies were prompt and they provided me with regular updates. Completely put me at ease, they explained the process and how to get the best deals! Would highly recommend, great customer service.

Alice Evans
How we help you

Our Process for Buy-To-Let Mortgages

Our streamlined process makes it easy for you to secure the right buy-to-let mortgage for your investment.

Initial Consultation

During the consultation, our team will help you understand your financial situation and goals. We'll ask about your income, assets, and credit history and discuss the type of property you're looking to purchase or refinance.

Property search and analysis

We'll conduct a comprehensive search and analysis of properties to find the best investment opportunities based on your preferences and goals.

Application & Approval

We'll handle the entire mortgage application and approval process, ensuring that you receive the best possible rates and terms for your investment.

Completion & Ongoing Support

We'll guide you through the completion process and provide ongoing support to ensure the success of your investment.

Portfolio review

Our team will regularly review your portfolio to ensure that your investments are performing as expected and provide recommendations for optimizing your portfolio.

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Schedule a Call Today

Ready to invest in a buy-to-let property? Complete the form below and a member of our team will be in touch.

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Learn more about Ramsay & White and our team of experts behind our property finance services.

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