Thinking About a Buy-to-Let Property?

Here’s What You Should Know | Venchi Mortgages

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Over the past few years, I’ve spoken to many clients who are looking to invest in property whether it’s their first rental or an addition to an existing portfolio. Buying a property to rent out can be a great long-term investment, but Buy-to-Let mortgages work a little differently from standard residential ones.

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At Venchi Mortgages, I help landlords and investors across the UK understand how Buy-to-Let mortgages work, what lenders look for, and how to find the right deal to make your investment work for you.

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When you apply for a Buy-to-Let mortgage, the biggest difference is how affordability is assessed. Unlike a standard mortgage that’s based on your income, a Buy-to-Let mortgage is largely based on the rental income the property is expected to generate. Lenders want to see that the rent comfortably covers the mortgage payments usually by around 125%–145% of the monthly mortgage amount, depending on your tax status and the lender’s criteria.

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How Much Deposit Do You Need for a Buy-to-Let?

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For most Buy-to-Let mortgages, you’ll need a larger deposit than for a residential property. Typically, the minimum is around 25% of the property’s value, though a few lenders may accept slightly less if you meet certain criteria. A larger deposit not only makes it easier to get approved but also helps you access more competitive interest rates.

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Key Things to Know

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Buy-to-Let mortgages are usually offered on an interest-only basis, meaning you only pay the interest each month and repay the full loan at the end of the term. This keeps your monthly payments lower, but it’s important to have a plan in place for how you’ll repay the balance for example, through selling the property or other investments.

You’ll also need to be aware of additional costs involved with being a landlord. This includes things like maintenance, letting agent fees, landlord insurance, and property tax. And don’t forget Stamp Duty Land Tax (SDLT) landlords pay a 3% surcharge on top of the standard rates for additional properties in England and Northern Ireland.

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Why Work with a Buy-to-Let Mortgage Adviser

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The Buy-to-Let market has changed a lot in recent years, with lenders tightening criteria and the government introducing new tax rules. That’s where the right advice really helps.

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As a mortgage adviser at Venchi Mortgages, I have access to a wide range of lenders, including specialist Buy-to-Let providers who aren’t available directly to the public. I can help you compare rates, understand rental income calculations, and choose a mortgage structure that fits your goals whether you’re buying in your personal name or through a limited company.

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I also work with first-time landlords who are just starting out, helping them understand everything from mortgage applications to rental yield and insurance. My role is to make the process straightforward and help you make confident, informed decisions.

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When to Review Your Buy-to-Let Mortgage

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Just like residential mortgages, Buy-to-Let deals don’t last forever. If your fixed or tracker deal is ending soon, it’s worth reviewing your options before you move onto a higher standard variable rate. Even a small change in interest rate can make a big difference to your returns.

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At Venchi Mortgages, I’ll review your portfolio, look at your existing deals, and help you find opportunities to improve your rates or release equity to fund your next investment.

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Final Thoughts

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Property investment isn’t just about bricks and mortar it’s about creating long-term financial stability and building wealth over time. Whether you’re an experienced landlord or completely new to the market, I can help you understand your Buy-to-Let mortgage options and find a deal that supports your investment goals.

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If you’re considering buying a rental property or reviewing your existing Buy-to-Let mortgage, I’d love to help.

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📞 Contact Venchi Mortgages: 07577 339249
📧 Email: priyank@venchimortgages.co.uk
🌐 Visit: www.venchimortgages.co.uk