Buy to let mortgage advice NI

What is a buy to let mortgage?

There are two reasons you may buy a property, either as a place to live, in which case you will require a residential mortgage; or as an investment.

If you’re buying the property to rent out and earn an income, banks require you to have a buy-to-let mortgage. Buy to let mortgages in Northern Ireland are typically more expensive that residential mortgages as lenders look for a deposit of between 25% – 40%.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages.

How to apply for a BTL mortgage

Applying for a mortgage can be difficult and time consuming. Furthermore, if you were to approach a high street bank for a mortgage, they’re limited on the deals they can offer you.

With a buy to let mortgage in NI there are a few things to consider; such as the deposit you want to put down, whether you require the mortgage to be interest-only, along with any tax implications of having a rental property. As mortgage brokers, we have access to a panel of over 100 lenders, so we can compare the entire market and find the best deal for your circumstances. 

We’re experts in this field and are not happy until you are – so reach out and speak to us to continue, or even start the journey of building your property portfolio.

Try our mortgage calculator.

Budgeting is important, so start now. Get an estimate of what lenders might loan you and also calculate a figure that could resemble a similar monthly mortgage payment

Looking for something else?


There are multiple reasons why people would want to remortgage, learn more or speak to us, we’re happy to help.

Self build mortgages

A self build mortgage, provides you money to purchase land and money in instalments to build the property.

Home mover mortgages

If you’re looking for a new residential mortgage because you’re moving house, let us find you a deal.