Buy-to-Let Mortgages: Build Your Property Portfolio with Confidence.
Whether you're a first-time landlord or growing your portfolio, access over 100 lenders, including specialist buy-to-let providers, with expert advice tailored to your goals.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Whole of Market Access*
Including specialist adverse credit providers
Understanding Buy-to-Let Mortgages
A buy-to-let mortgage is designed for people who want to purchase a property to rent out rather than live in. They work differently to residential mortgages — lenders assess the expected rental income alongside your personal finances to determine how much you can borrow. As a trusted mortgage broker with access to over 100 lenders, we find the right buy-to-let deal for your investment goals.
Rental Yield & Deposit Assessment
Buy-to-let mortgages require a minimum 25% deposit, mostly interest-only to keep payments lower. We check rental income meets lender requirements before any application.
Portfolio Strategy
Whether property one or ten, we match the right lender to your goals. With our KB Property Life-Time Guarantee†, all future like-for-like remortgages on your investment property are arranged free.
Why Choose KB Mortgage Solutions
- ✓Whole-of-market access including specialist adverse credit providers not found on comparison sites
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Access to Whole of Market
We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
What Type of Landlord Are You?
Every buy-to-let case is different. We assess your investment goals, income, and existing commitments to recommend the right lender and product.
First-Time Landlord
Many lenders require you to already own a residential property, but not all. We identify the right lenders for first-time landlords and guide you through from application to completion.
Portfolio Landlord
If you own four or more mortgaged rental properties, stricter underwriting applies. We manage the additional documentation and find competitive portfolio rates from specialist lenders.
HMO & Multi-Unit
HMOs and multi-unit blocks require specialist lenders who understand shared tenancy arrangements. We know which lenders accept your property type and offer competitive rates.
Limited Company Buy-to-Let
Many landlords now purchase through a limited company for tax efficiency. We have access to lenders offering SPV mortgages, including competitive rates for new and established companies.
Let-to-Buy
Want to keep your current home as a rental and buy a new one? We co-ordinate both applications — switching your residential mortgage to buy-to-let and arranging a new residential mortgage.
Buy-to-Let with Adverse Credit
A poor credit history does not automatically disqualify you. Specialist lenders assess each case individually, considering rental income, deposit size, and the age of any credit issues.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Is Now the Right Time to Invest?
Timing a buy-to-let purchase correctly can make a real difference to your returns. The decision depends on your specific circumstances.
- ✓Rental demand across the UK remains strong — we assess whether the numbers work for your target area
- ✓Interest rates fluctuate — locking in a competitive rate now can protect your margins
- ✓Our Life-Time Guarantee (subject to terms) means we remortgage your investment property free when rates change
- ✓Tax rules for landlords have changed — we explain how mortgage structure impacts your tax position
Your property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Residential vs Buy-to-Let Mortgage
A clear side-by-side comparison
| Feature | Residential Mortgage | Buy-to-Let Mortgage |
|---|---|---|
| Min. Deposit | 5–10% typically | 25% typically |
| Income Assessed | Your salary/earnings | Rental income + personal income |
| Repayment Type | Repayment (capital + interest) | Typically interest-only |
| Interest Rate | Standard residential rates | Slightly higher |
| Lender Type | High street banks | High street + specialist BTL |
| Future Remortgage | Standard fees apply | Free via KB Guarantee† |
KB Mortgage Solutions Life-Time Guarantee† is subject to terms and conditions. Available on like-for-like remortgages on the same property. Ask KB Mortgage Solutions for full details.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
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Learn MoreYour property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online