Buying To Let

Thinking of buying a property that you can rent out to tenants?

A Buy to Let scheme is perfect because it gives you::

regular income from rental payments, whilst the property is tenanted.
opportunity to invest in a large asset which has the potential to increase in value

This type of mortgage allows you to pay all your mortgage repayments using the income received from rent. Once the mortgage has been paid, you will have full ownership of the property, which you can then continue to rent and receive extra income or sell up and receive a large cash sum.

How much am I able to borrow?

Mortgage lenders will generally base lending on Rental calculations. However, a mortgage lender will consider your personal circumstances to decide how much you can borrow. This will include your potential rental income so you may be able to borrow more money if your income rises from the rental payments on the property you plan to rent out.

With a buy to let mortgage you can pay the Lender Arrangement fee upfront or add it to the loan. Please note, if you add the fee to the mortgage, you will pay interest on the amount added for the life of the mortgage. Potential landlords also have the option of fixed rate loans but remember, the longer the rate is fixed, the higher the rate interest.

Are there any disadvantages in buying to let?

Although buying to let can reap considerable financial rewards, becoming a private landlord can be a risky and complicated way of making money. We advise all potential landlords to seek appropriate advice before going ahead with this type of mortgage. Factors to consider include:

Acquisition, disposal and maintenance costs including agents fees, stamp duty, furniture and fittings, insurance, management and repairs.
Decrease in rental income as a result of increased rental property in the area or deteriorating condition of the property.
Increase on interest rates on mortgage loans without a corresponding increase in rental payments.
No guarantee that house prices will continue to rise.
Difficulties with tenants i.e. failure to pay rent, breach of tenancy agreements, periods of no tenant in the property.

Potential landlords should also look into insurance policies that cover theft or damage by tenants and a loss of rent.

Whatever your circumstances we’ll find a Buy to Let mortgage that’s RIGHT for you!

For all the advice you need, contact Wise One on: 0161 776 2508 or click here and get a FREE Quote today.

Note: We can advise on both Business Buy to Let (BBTL) and Consumer Buy to Lets (CBTL). Of the two, only Consumer Buy to Lets are regulated by the FCA.

What Our Customers Say

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   R 
 September 14, 2026
 
 
  I would highly recommend Jeff Maskall at Wiseone. As first time buyers Jeff took the time to explain everything clearly, answered all of our questions and made what could have been a very stressful experience feel much easier. From start to finish Jeff was always contactable and very efficient. I will definitely use Jeff again in the future.
  
 
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   Z Tsoukalis 
 September 5, 2026
 
 
  If I could give more stars I would! Jeff Maskall has been amazing. He has supported us by giving honest advice and really listened to our concerns. Always on hand to offer guidance when needed. Very grateful for his support in this process.
  
 
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   M 
 September 3, 2026
 
 
  Jeff has supported us through the mortgage application process for our first home. He was very helpful and provided us with all of the advice we needed as first time buyers. Thanks Jeff!
  
 
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   L Ado-Kofie 
 August 25, 2026
 
 
  We just wanted to express our heartfelt appreciation for everything Mr Carl Bowler of WISEONE UK Ltd has done for us throughout our house purchase journey since March 2023 - the mortgage application process, and valuable advice on how to redeem our help-to-buy property to enable us to sell the property, and buy a new property without complications. Carl's excellent financial advice, patience, and guidance made an otherwise overwhelming journey feel manageable and even reassuring. Thanks to Carl's expertise and support, we successfully secured our mortgage approval and finally completed the purchase of our dream property on 31st July 2026 — a milestone we are truly grateful for. Carl, we deeply appreciate your selflessness (even when you were not feeling well, you sacrificed your recuperation to start our mortgage application), your professionalism, your clarity in explaining every step, and the genuine care you showed in helping us make the best decisions for our future. Thank you once again for being such a reliable and exceptional financial advisor. We are sincerely grateful. We, therefore, 100% recommend Carl and WISEONE UK Ltd. financial services to anyone interested in securing mortgages and other financial services.
  
 
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   L Sri 
 August 21, 2026
 
 
  Excellent service from Jeff and the team at Wise One UK. Jeff was extremely helpful and professional throughout my mortgage application. My circumstances required a fair amount of preparation and documentation, but he handled everything carefully and kept me informed throughout the process. He was always approachable, explained things clearly, and made sure the application was submitted correctly and progressed with Halifax. I was particularly impressed with how involved he remained throughout the process and how quickly he dealt with any additional requirements from the lender. My mortgage has now been formally approved and I am very pleased with the service I received from Jeff. I would have no hesitation in recommending him to anyone looking for a knowledgeable, reliable and professional mortgage adviser. Thank you, Jeff, for all your help in getting me to this stage.
  
 
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   C Anto 
 August 20, 2026
 
 
  Highly recommended!
  
 
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   M Smith 
 August 7, 2026
 
 
  Jeff was an amazing mortgage advisor throughout our buying process for our first home! He handled everything very professionally and explained things very clearly. At one point in the process I thought things were going to fall through but he was very good at reassuring and explaining why it would be ok. In the end everything went great with the mortgage :)
  
 
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   D Sims 
 July 24, 2026
 
 
  Jeff made the process so much easier for us and honestly put our minds at ease! We are first time buyers and he explained the whole process in great detail and had time for our stupid questions. No hidden fees and explained all the different rates in laymens terms so even an 11 year old could understand! 😂 Really grateful for putting us in our forever home! Thanks and couldn't recommend Jeff and the team enough!!
  
 
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   S Sims 
 July 24, 2026
 
 
  We had the pleasure of working with Jeff and Zara who supported us throughout the whole process. Managing to get us the best rates at to the time of going into our Mortgage application. Not only did they secure great rates, but Jeff is extremely knowledgeable and as first time buyers we would have struggled to understand a lot of the information that was being provided to us without Jeffs support!
  
 
 
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