Buy-to-let borrowing
How much rent lenders need, and how much you could borrow against it.
You'll enter
- Expected monthly rent
- Property value
- Tax band
Mortgage advice
Buy-to-let mortgages for landlords
Buy-to-let purchases, remortgages and how rental income is assessed.
I'm a landlord
The short answer
Buy-to-let mortgages, in plain English.
Buy-to-let lenders mainly assess whether the expected rent covers the mortgage payment by a set margin, known as a rental stress test. Most require a deposit of at least 25%. Criteria differ for first-time landlords, limited company purchases and portfolio landlords, which is where advice helps.
Who it's for
New and experienced landlords buying or remortgaging a rental property, personally or through a limited company.
Try a calculator
Buy-to-let rent needed
The monthly rent lenders are likely to need for the loan you want.
You'll enter
- Loan you want
- Tax band
What happens once I get in touch?
How buy-to-let advice works.
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Check eligibility
We look at your deposit, income, experience and the expected rent.
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Stress test the rent
We model how lenders will assess the rental cover.
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Apply and value
We submit the application; the lender values the property and rent.
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Complete
Legal work is completed and the mortgage is drawn down.
Working with 90+ lenders, including
What will it cost, and what are the risks?
Costs and risks to know about.
Costs to budget for
- Deposit — usually 25% or more
- Stamp Duty including the additional-property surcharge
- Lender fees, legal fees and valuation
- Our fee, if any — explained in writing first
Please read
Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Who will I speak to?
Meet the Zinga team.
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Dylan Sidhu
Mortgage and Protection Adviser
Email Dylan -
Seema Babber
Mortgage and Protection Adviser
Email Seema -
Aditi Sinha
Mortgage and Protection Adviser
Email Aditi -
Arifa Shakoor
Mortgage and Protection Adviser
Email Arifa -
Case management
Kunjan Kunwar
Mortgage Case Manager
Email Kunjan - See all profiles
What clients say.
Reviews from Zinga clients across our services.
She was always quick to answer my questions, proactive in finding solutions, and dedicated to securing the right terms for my financial situation.
Adviser: Seema Babber-
Many thanks to Arifa who quickly managed to get my mortgage application in principal then fully agreed. Great service thanks for your help.
Google reviewSamad Khan
Adviser: Arifa Shakoor
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From day one, Aditi went above and beyond to guide us through every single step.
Trustpilot reviewSayantan Chakravorty
Adviser: Aditi Sinha
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She was always quick to respond, answered every question clearly, and made the whole mortgage process simple and stress-free.
Google reviewramandeep kaur
Adviser: Seema Babber
Buy-to-let questions.
Didn't find your answer? Ask us directly.
How much deposit do I need?
Usually at least 25%, though some lenders need more depending on the property and rent.
Can I be a first-time landlord?
Yes, some lenders accept first-time landlords, often with extra criteria such as owning your own home.
Should I buy through a limited company?
It depends on your tax position. We explain the mortgage side and recommend speaking to an accountant.
Still unsure?
Talk to an adviser.
Also worth a conversation.
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Personal protection
Life, income and critical illness cover, reviewed with your mortgage.
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Home insurance
Buildings and contents cover, arranged alongside your mortgage.
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Company directors
How lenders look at salary, dividends and company profit.
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First-time buyers
Deposits, affordability and each step explained before you commit.