Buy-to-Let Mortgage Guide UK 2026

Everything UK landlords and property investors need to know about buy-to-let mortgages. From deposit requirements and rental stress tests to tax implications and yield calculations.

BTL Mortgage Essentials

• Minimum deposit — Usually 20–25% for BTL mortgages
• Rental coverage ratio — Lenders typically require rent to cover 125–145% of the mortgage payment
• Personal income — Many lenders require minimum personal income (typically £25,000+)
• Section 24 tax — Mortgage interest relief restricted for higher-rate taxpayers since 2020
• Additional SDLT — 3% surcharge on stamp duty for additional properties

Use our Buy-to-Let Calculator to analyse your investment.