It’s a mortgage designed for properties you intend to rent out rather than live in.
Yes, most lenders require at least 20–25% deposit for a buy-to-let property.
It’s more difficult but possible with specialist lenders. Expect stricter criteria and higher interest rates.
Lenders use projected rental income to assess affordability, often requiring rent to cover 125–145% of the mortgage payment.
Yes, landlords pay income tax on rental profits and may be liable for capital gains tax when selling.
