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Whether you are a first-time landlord or an experienced investor with a portfolio of property, securing a BTL mortgage can prove an uphill battle in today’s climate. Mounting barriers like limited product choice, complex calculations, and substantial fees make going it alone risky. Twin Pine Mortgages has a Buy to Let expert that can support you all the way.


Twin Pine Mortgage aims to simplify the process, provide clear answers, and help landlords secure the maximum lending to achieve their investment goals.

Types of Buy to Let Mortgages

When investing in rental properties, buy-to-let mortgages can broadly be divided into four main categories, each with their own requirements and considerations:

Standard Buy to Let Mortgages

This option allows landlords to finance the purchase of traditional single-family rental units to let out to private tenants. As the most common BTL product, deals are widely available. Typically lenders require a minimum 20-25% deposit. Ideal for those starting out or adding to an existing portfolio.

HMO Mortgages

An HMO or "House in Multiple Occupation" mortgage facilitates the acquisition of a larger property split into separate bedrooms with shared common living areas. Each bedroom is then rented out individually, often to tenants from different walks of life. Great for maximizing rental yields per property. However, stricter eligibility criteria usually demands a 30% or higher deposit.

Multi-Unit Block Mortgages

This targets the purchase of entire apartment blocks or clusters of flats within one building complex. It allows investors to finance multiple rental units in a single transaction. Deposit requirements tend to start from 25% or higher. A cost-effective way to scale up portfolios. But also comes with additional legal and management overheads to consider.

Student Let Mortgages

Specialist lender products catering to landlords investing in the student rental property market in university towns/cities. Enables the purchase of HMOs or other units to be rented per room during term times. However, as student occupancy fluctuates during holiday periods, deposits tend to range between 25-30% of the value to mitigate risk.

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