Looking for a buy to let mortgage?
Embrace can help

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Book a buy to let mortgage appointment 

If you’re buying a house to rent out and you want to take out a mortgage, you’ll need a buy-to-let mortgage.

For more information or to book a mortgage appointment with our partners, Embrace Financial Services, call 01727 861166^ or complete the form and they'll call you back to book an appointment.

What is a buy to let mortgage?

A buy to let mortgage is designed for those who want to buy property to rent out to a third party.

As with a residential mortgage you can choose between fixed, discount, and other mortgage types, however the key difference is working out how much you can borrow. 

Mortgage advice

Buy to let mortgage lenders look at the likely rental income from the property as well as the applicant's annual income. Here are some good points to note when looking into a buy to let mortgage:

  • Loan-to-value (LTV) is generally 60%-85% for buy to let mortgages.
  • Your rental income will generally need to be around 125% of the monthly mortgage payments.
  • You can expect a buy to let mortgage to be approximately 1%-2% more than a residential mortgage.
  • Many landlords prefer a buy to let interest only mortgage. The lender will normally base affordability on the rental income which will generally need to be 125% more than the monthly payments.
  • If you are planning to create a lettings portfolio – some lenders will place a cap on the number of properties it will mortgage.

Use our buy to let calculator to work out the required rental income that may be needed from your proposed buy to let property.

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

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Buy to let mortgage enquiry form

Call us on 01727 861166‚Äč for more information or to book an appointment.

Alternatively you can request a call back by completing this form and an Embrace Financial Services adviser will call you to arrange a suitable time for your appointment.

We will use your information in order to arrange for Embrace Financial Services to respond to your enquiry. If you would like to know more about how we use your information, please read our Privacy Notice.


Embrace Financial Services usually charges a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £499 to £999 and this will be discussed and agreed with you at the earliest opportunity.

Reasons to choose Embrace Financial Services

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They have access to 1000s of mortgage deals from 100s of lenders, including well known high street providers. These often include exclusive deals that cannot be accessed by going direct to the lender. 

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Advisers will conduct secure video or telephone appointments so you can get expert advice from the comfort and safety of your home. 

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Embrace Financial Services will listen to your needs and circumstances and recommend the best products for you. 

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They provide excellent communication and will stay in touch every step of the way.  All documents can be shared safely and quickly electronically.

Buy to let calculator

Buy To Let Calculator


Meet your Financial Adviser

With the help of your very own personal expert you will be assisted through every step of the process to ensure your experience is, what we firmly believe, the very best in customer service so why not take up our challenge - simply contact the team of mortgage advisers, sit back and let them do all the work for you.

We have mortgages available from a wide range of well known providers






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