Investing in a buy-to-let property can be a rewarding opportunity, whether you’re a first-time landlord or an experienced investor expanding your portfolio. However, navigating the buy-to-let mortgage market can be complex, with different lending criteria, tax implications, and affordability assessments to consider.
At CRC Mortgages, we specialise in buy-to-let mortgage advice in Liverpool, helping landlords secure the most suitable mortgage deals tailored to their investment goals. Whether you’re purchasing your first rental property or refinancing an existing one, our expert advisors guide you through the entire process, ensuring a smooth and simple experience.
Whether you’re a first-time buyer or an experienced landlord with a portfolio to match, purchasing a Buy-To-Let property can be a complicated process.
You want to be thinking about renovations and tenants, not mortgages and finances. That’s why at CRC Mortgages, we work alongside everyone from Estate Agents to Solicitors to help guide you through the Buy-To-Let marketplace, providing you with the best possible service.
Our advisors have been working within the Buy-To-Let market for years. From supporting you, talking to you and making the whole process as easy as possible, we work in your interest to secure the most suitable Buy-To-Let mortgage for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Financial Conduct Authority does not regulate some forms of Buy To Lets
How Buy-to-Let Mortgages Work
A buy-to-let mortgage is designed for individuals looking to purchase property as an investment rather than as a personal residence. Unlike standard residential mortgages, buy-to-let mortgages typically require:
A larger deposit – Usually 25% or more of the property’s value.
Different affordability criteria – Lenders assess your income and expected rental yield to determine affordability.
Higher interest rates – Buy-to-let mortgages often have slightly higher rates than residential loans due to the investment nature of the property.
Interest-only options – Many landlords opt for interest-only mortgages, where monthly repayments cover only the interest, with the loan amount repaid at the end of the term.
Navigating these requirements can be challenging, which is why seeking buy-to-let mortgage advice in Liverpool from experienced brokers is crucial to securing the most suitable deal.
Why Choose CRC Mortgages for Your Buy-to-Let Mortgage?
With years of experience in the Liverpool buy-to-let mortgage market, we understand the unique challenges landlords face. We work closely with lenders, estate agents, and solicitors to simplify the mortgage process, allowing you to focus on your investment. Our clients have left us great feedback across many platforms including Facebook, Truspilot and Google.
Our buy-to-let mortgage brokers in Liverpool provide:
Access to a wide range of lenders – Including specialist buy-to-let mortgage providers not available on the high street.
Tailored mortgage advice – Whether you’re a first-time landlord or managing a property portfolio, we find solutions that align with your investment strategy.
Support with affordability calculations – Ensuring rental income meets lender criteria for mortgage approval.
Guidance on portfolio expansion – Helping professional landlords secure financing for multiple properties.
Expert knowledge of market trends – Advising on mortgage products based on your investment goals.
Start Your Buy-to-Let Investment Today
Whether you’re looking for a buy-to-let mortgage in Liverpool, need advice on financing your next investment, or want to remortgage an existing rental property, CRC Mortgages is here to help.
Phone: 0151 257 5330
Email: info@crcmortgages.co.uk
If you would like to speak with an adviser,
please contact us below.
A buy-to-let mortgage is a loan designed for property investors who want to purchase a property to rent out rather than live in. It typically requires a larger deposit, higher interest rates, and rental income must meet affordability criteria. Many landlords opt for interest-only repayment options.
How much deposit for a buy to let mortgage?
To get a buy-to-let mortgage, you’ll need a deposit of at least 25%, a good credit score, and proof that the expected rental income meets the lender’s criteria. Lenders assess your financial stability and may require a minimum personal income. Our mortgage brokers can help find a good deal and navigate the application process.
Yes, you can change your residential mortgage to a buy-to-let mortgage, but you’ll need approval from your current lender or a new one. Some lenders may allow you to switch to a buy-to-let mortgage, while others may require you to remortgage. Our mortgage brokers can review your situation, explain the requirements, and help you explore suitable options. Lender criteria vary, so it’s important to understand the terms before making any changes.
If you rent out your property without switching to a buy-to-let mortgage or obtaining your lender’s consent, you could be in breach of your mortgage agreement. This may lead to penalties, increased interest rates, or even a request to repay the mortgage in full. Some lenders offer “consent to let”, which allows temporary rental under your existing mortgage. Our mortgage brokers can help you review your options and help you stay compliant with your lender’s requirements.
The amount you can borrow for a buy-to-let mortgage depends on your deposit, rental income, and lender criteria. Most lenders require a 25% deposit, and rental income typically needs to cover 125-145% of the mortgage repayments. Our mortgage brokers can assess your situation and help you explore your borrowing options.
If you already own a buy-to-let property, remortgaging could help you:
Secure a better interest rate and lower your monthly payments.
Release equity to invest in additional rental properties.
Switch from a repayment mortgage to an interest-only option to improve cash flow.
Our team at CRC Mortgages provides expert buy-to-let remortgage advice, helping you explore the most appropriate refinancing options available.