What deposit do I need for a buy-to-let mortgage?
Buy-to-let deposits typically start from around 25% of the property's value, though some lenders will consider less and others require more depending on the property and expected rental income.
The deposit size interacts with the rental cover calculation — a larger deposit reduces the loan amount, which can make the rental income requirement easier to meet.
Whether you're buying as an individual or through a limited company also affects both deposit requirements and the wider tax picture, which is worth discussing before you commit to a structure.
Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage availability, eligibility and the mortgage options presented depend on individual circumstances and lender criteria.
Want to talk about your own situation?
Let’s talk mortgages