AI-matched buy to let mortgages from 90+ UK lenders — competitive rates, interest-only options, and expert advice for landlords at every stage.
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Why Choose Us
We simplify the buy to let mortgage process so you can focus on growing your portfolio.
A specialist landlord adviser guides you from first call to completion.
We search the whole market to find the very best BTL deal for you.
Receive your agreement in principle in as little as 30 minutes.
We stay with you all the way through to receiving your rental income.
Apply online in minutes — no paperwork, no queuing at branches.
We work around your schedule, not the other way around.
Trusted By Thousands
Fully authorised and regulated by the Financial Conduct Authority for your protection.
Access to thousands of BTL mortgage products from over 90 UK lenders.
Dedicated advisers with deep knowledge of the UK buy to let market.
Transparent pricing with no surprises. We earn from lenders, not from you.
Maximise your rental yield with interest-only BTL mortgage products.
Specialist advice for landlords with four or more mortgaged properties.
Our simple four-step process gets your BTL mortgage sorted fast.
Chat with your dedicated BTL adviser about your investment goals and affordability.
We search 90+ lenders to identify the best BTL mortgage for your property.
We handle all the paperwork and submit your BTL application digitally.
Get your formal mortgage offer and prepare to welcome your first tenants.
Why Landlords Choose Us
From your first enquiry to receiving rental income, we’re with you every step.
Access the most competitive buy to let rates from across the whole market.
Learn moreKeep monthly costs low with interest-only products designed for landlords.
Learn moreSpecialist finance for houses in multiple occupation and multi-unit freehold blocks.
Learn moreBuy through a limited company to maximise tax efficiency on your portfolio.
Learn moreProtect your investment with landlord insurance and income protection solutions.
Learn moreSmart Tools
Our AI-enhanced calculators give you accurate estimates in seconds. Understand your borrowing power, monthly costs, and stamp duty before speaking to an adviser.
Estimated monthly repayment
£1,390
Representative example — actual rates may vary
Our AI mortgage assistant analyses your situation and matches you with the right product and lender — before you speak to an adviser.
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Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
Real people. Real results. See what our clients say about their mortgage journey with MortgageTek.
“MortgageTek's AI tool helped me understand exactly what I could borrow before I even spoke to an adviser. Completed in 8 weeks — incredible service!”
Sarah M.
First Time Buyer · London
“As a contractor, I'd been turned away by three banks. MortgageTek found me a lender who used my daily rate and got me a £520k mortgage. Life-changing.”
James K.
IT Contractor · Manchester
“The team understood my retained profits situation immediately. Secured a great rate and the whole process was smooth. Highly recommend!”
Priya T.
Self-Employed Director · Birmingham
“Remortgaging felt daunting but MortgageTek made it simple. They found a better rate than my bank offered and saved us hundreds monthly.”
Aisha R.
Second-Time Buyer · Leeds
“Third property purchase with MortgageTek and every time the process gets smoother. Their broker actually understands landlord finances.”
David C.
Buy-to-Let Investor · Bristol
“I had no idea where to start but the team walked me through every step. Got keys to my first flat in just 6 weeks.”
Emma L.
First Time Buyer · Bristol
FAQ
Everything you need to know about buy to let mortgages
Most BTL lenders require a minimum 25% deposit, though some specialist lenders may accept 20%. The larger your deposit, the better the rates available to you.
Unlike residential mortgages, BTL affordability is primarily based on the expected rental income — typically the rent must cover 125–145% of the monthly mortgage payment. Your personal income may also be considered by some lenders.
Yes. Limited company BTL mortgages have become increasingly popular for tax efficiency. We have access to lenders who specialise in this area and can advise on whether it's the right structure for you.
An HMO (House in Multiple Occupation) mortgage is a specialist BTL product for properties rented to three or more unrelated tenants. These require specialist lenders and licensing — our advisers have extensive experience in this area.
Buy to Let
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