Interest Only Buy to Let Mortgages

Compare and view all the interest only buy to let deals available side-by-side from the whole mortgage market place. Use the search filters to change the results depending on the types of mortgage deals you wish to view.

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Mortgage Expert



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Intermediary Key Account Exclusive BTL 2 Year Fixed £1999 Fee

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£96.00

APR
4.2%

compare

Intermediary Key Account Exclusive BTL 2 Year Fixed £1999 Fee (Scottish)

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£96.00

APR
4.2%

compare

Intermediary BTL 2 Year Tracker £1999 Fee

Initial Rate
1.49%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£99.33

APR
4.5%

compare

Intermediary BTL 2 Year Fixed £1999 Fee

Initial Rate
1.54%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£102.67

APR
4.4%

compare

BTL 2 Year Fixed £1999 Fee

Initial Rate
1.59%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£106.01

APR
4.2%

compare

Intermediary BTL 2 Year Tracker 2% Fee

Initial Rate
1.59%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£105.44

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.59%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£105.99

APR
4.5%

compare

BTL 2 Year Fixed £1995 Fee

Initial Rate
1.59%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£105.99

APR
4.4%

compare

BTL Flexx 2 Year Fixed £1999 Fee

Initial Rate
1.69%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£112.68

APR
4.2%

compare

Intermediary BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.69%

Mortgage Type
Tracker

Duration
Mar-2019

Monthly Payment
£112.71

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £999 Fee

Initial Rate
1.69%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£111.26

APR
4.4%

compare

Intermediary BTL 2 Year Tracker £999 Fee

Initial Rate
1.69%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£111.26

APR
4.4%

compare

Intermediary BTL 2 Year Tracker £1995 Fee

Initial Rate
1.69%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£112.69

APR
4.1%

compare

BTL 2 Year Fixed £2499 Fee

Initial Rate
1.7%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£114.09

APR
4.9%

compare

Intermediary BTL 2 Year Fixed £950 Fee Purchase

Initial Rate
1.74%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£114.48

APR
4.4%

compare

Direct BTL 2 Year Fixed £995 Fee

Initial Rate
1.75%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£115.24

APR
4.3%

compare

Intermediary BTL 2 Year Fixed 2% Fee

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£118.71

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1999 Fee (Scottish)

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£119.33

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£119.38

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1999 Fee

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£119.33

APR
4.2%

compare

BTL 2 Year Tracker £995 Fee

Initial Rate
1.8%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£118.49

APR
4.4%

compare

BTL 2 Year Tracker 2.5% Fee

Initial Rate
1.84%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£122.59

APR
4.5%

compare

BTL 2 Year Tracker £1500 Fee

Initial Rate
1.85%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£122.56

APR
4.5%

compare

BTL 2 Year Discount £199 Fee

Initial Rate
1.85%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£120.61

APR
5.2%

compare

BTL 2 Year Discount £199 Fee Multiple BTL

Initial Rate
1.85%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£120.61

APR
5.2%

compare

Direct BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
4.4%

compare

Intermediary BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
3.8%

compare

Direct BTL 2 Year Tracker £1995 Fee

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
4%

compare

Intermediary BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
4.2%

compare

BTL 2 Year Fixed £1850 Fee

Initial Rate
1.89%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£125.76

APR
4.5%

compare

Exclusive BTL 2 Year Fixed £995 Fee

Initial Rate
1.89%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£124.42

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1995 Fee

Initial Rate
1.89%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£126.02

APR
4.2%

compare

L & G Exclusive BTL 2 Year Fixed £995 Fee **Conveyancing Exclusive**

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£127.71

APR
4.1%

compare

Intermediary BTL 2 Year Fixed 0.75% Fee (Scottish)

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£127.05

APR
4.2%

compare

Intermediary BTL 2 Year Fixed 0.75% Fee

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£127.05

APR
4.2%

compare

Direct BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
3.9%

compare

Direct BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
4.4%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
3.8%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
4.2%

compare

BTL 2 Year Fixed £999 Fee

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£131.02

APR
4.2%

compare

BTL Flexx For Term £1999 Fee

Initial Rate
1.99%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£132.68

APR
2.2%

compare

BTL 2 Year Fixed £999 Fee Purchase

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£131.06

APR
4.9%

compare

BTL 2 Year Fixed £995 Fee Purchase

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£131.01

APR
4.6%

compare

Intermediary BTL 2 Year Tracker £995 Fee

Initial Rate
1.99%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£131.03

APR
4.2%

compare

BTL 2 Year Fixed £995 Fee

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£131.00

APR
4.4%

compare

Direct BTL 2 Year Fixed £1995 Fee Remortgage

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£132.71

APR
3.9%

compare

BTL 2 Year Discount £895 Fee

Initial Rate
1.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£130.87

APR
4.9%

compare

BTL 2 Year Discount £895 Fee

Initial Rate
2%

Mortgage Type
Discount

Duration
Apr-2019

Monthly Payment
£131.53

APR
4.6%

compare

Intermediary Exclusive BTL 2 Year Tracker £995 Fee Purchase

Initial Rate
2.01%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£132.37

APR
3.7%

compare

L & G Exclusive BTL 2 Year Fixed 0.5% Fee **Conveyancing Exclusive**

Initial Rate
2.04%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£133.26

APR
4.3%

compare



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Recent mortgage Q&A

Why most buy to let mortgages are interest only

Buy to Let Mortgages

Buy to Let mortgages, unlike residential mortgages, are mostly interest only mortgages. This is because buying a property to let it out means that you will be generating an income from the purchase itself, which then generates the income to pay the interest on the mortgage each month, along with providing you with a return that you can then use to build up a lump sum to help to pay off the mortgage at the end of the term. As many buy to let mortgages do not run to their full term due to the property being sold, the money raised from the sale is then used to make the lump sum payment.

Why you can’t be complacent

Even though you will have an income coming in from renting out your property you will still have to make sure that you keep track of your finances as it is always a possibility that the value of your property will decrease, which could then leave you with a shortfall in the money provided when you come to sell the property. Therefore in order to ensure that you don’t end up with a large bill to pay you should generally set your rent to be significantly more than 125% of your mortgage payments and then use the capital that is generated in order to have a payment plan that will give you a cash lump sum should you need it in order to pay off any remaining mortgage when you come to sell the property.

Mortgages

Compare fixed rate buy to let mortgages
Compare variable rate buy to let mortgages

Another reason why most buy to let mortgages are interest only is because of the low loan to value ratio that many mortgage deals demand. In many cases up to a 40% deposit is required in order to secure a good rate buy to let mortgage. The fact that you can generate this size of deposit means that you present a lower risk than someone who can only generate a 5% deposit. Many buy to let mortgage lenders will accept a 25% deposit, though there are a handful that will provide you with a buy to let mortgage for as little as 15% deposit. However the smaller the deposit you have, the higher the interest rate you can expect to pay, and you will also find that these mortgages have a percentage of loan application fee, which can be some of the most expensive application fees especially for larger loans.

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