Landlord outside a rental property with a letting board
Buy-to-let mortgage interest relief is restricted under Section 24 of the Finance Act 2015. Model your tax position carefully before committing to a purchase.

How to Finance Your Next Buy-to-Let Property

growing-your-portfolio·Updated 2026-06-01·England

How to Finance Your Next Buy-to-Let Property

Overview

What this guide covers

How to assess your financing options for a buy-to-let purchase — from standard BTL mortgages and bridging loans to equity release and investor capital. Includes stress-testing, affordability criteria and choosing the right product.

Who it is for

Landlords looking to expand their portfolio and wanting to understand the full range of financing options available to them.

What this guide does not cover

  • Residential mortgages
  • Commercial property finance
  • Development finance for new builds

Before you start, you will need:

  • ·Existing property or deposit funds
  • ·Basic understanding of rental yields
  • ·Credit history suitable for mortgage applications

When To Use This Guide

Use this guide when:

  • You have found a property and need to move quickly on financing
  • You want to compare buy-to-let mortgage products before approaching a broker
  • You are considering bridging finance for a refurbishment project
  • You want to release equity from an existing property to fund a new purchase

Do not use this guide if:

  • Financing your primary residence
  • Commercial or mixed-use property purchases without specialist advice
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