Regulated Buy-to-Let Mortgages

Updated 30th November 2021

Regulated Buy-to-Let Mortgage Advisors.


Our Mortgage Experts Online accredited advisors are specialists in regulated buy-to-let mortgages.

Furthermore, our expert’s knowledge will help you to find the right regulated buy-to-let mortgages on the market.

From big high street banks and building societies, to smaller more niche mortgage lenders, there is a lot of choice out there.

Subsequently, this may feel completely overwhelming to you and you may have no idea where to start. We can offer you guidance and help you navigate the complex world of regulated buy-to-let mortgages.

For instance, a regulated buy-to-let mortgage might not be the best option.

The brokers we work with are whole of market and offer completely unbiased advice, ensuring that you get the absolute best deal available.

If you are looking for a regulated buy-to-let mortgage advisor, fill out a contact form online or call us now on 0300 124 5655

Scroll down for more information and FAQ’s.

Regulated Buy-to-Let Mortgage Topics.

Regulated buy-to-let mortgages.

A standard buy-to-let mortgage is not regulated as the landlord is renting the property out to private tenants and not to an immediate family member.

In this case, as the landlord has no intention of living in the property it’s not regulated by the FCA.

A regulated buy-to-let falls under the FCA guidelines. Consequently, this means there are more comprehensive checks around the application.

As such, most lenders don’t get involved in this type of lending.

Your mortgage expert will have experience in this area and will know the limited number of lenders who are willing to lend on this basis.

Regulated buy-to-let mortgages take more navigating than a standard mortgage.

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What is a regulated buy-to-let mortgage?

This is when you are buying a property to rent to immediate family.

In this case, the purchase is then regulated by the FCA and subject to tighter checks, with one of the main areas being around affordability, and the ability to pay the mortgage should the rent not be paid.

Immediate family will be parents, siblings, grandparent, and grandchildren.

Because regulated buy-to-let mortgage are income based and not based on the rental income the number of lenders available is smaller.

Subsequently, this can make regulated buy to let mortgage difficult to place.

However, the regulated buy-to-let mortgage experts we work with will be able to give you all the options available.

Because the lending options are limited, getting the correct advice is vital.

Also, when purchasing any additional property you will need to consider additional stamp duty,  click here to see how much you would need to pay.

Can you live in regulated buy-to-let?

If you wanted to let out a property to member of your family or wanted to live in the property whilst renting out to tenants, then you would need a regulated buy-to-let. For the most up to date information make an enquiry today.

How much deposit will I need?

In short, the more deposit the better, this will increase your options and give you access to the best rates.

Generally, you will be looking at 25% deposit, and due to it being regulated the options are more limited.

Because the regulated buy-to-let mortgage market is forever growing and changing, get in contact with us for the most up to date information.

Furthermore, you may look at other options, one of those being joint borrower sole proprietor.

As a rule, the lower the LTV (Loan-Value) the lower the interest, however, there a limit the interest rate will not drop below.

Can I get a regulated buy-to-let with bad credit?

Yes, It is possible. However, the more severe the bad credit the more difficult a regulated buy-to-let mortgage will be.

The types of bad credit which you could potentially be accepted for a mortgage are.

As such, the bigger your deposit the better the options will be. To read all about bad credit mortgage click here.

If you’ve had previous bad credit, then getting an updated copy of your credit report is vital.

To get an updated credit report click here.

I am self-employed can I get regulated buy-to-let mortgage?

Yes. Generally, criteria will be the same as looking at a residential mortgage, with a minimum of 1 year’s trading/accounts being required and the lenders will want to see tax calculations & tax year overviews.

Some mortgage lenders will even need to see 2-3 years self-employed history. To read all about self employed mortgage read our article here.

Our whole of market regulated buy-to-let mortgages experts will be best placed to advise you on the best lender for your circumstances.

How much can I borrow on a regulated buy-to-let mortgage?

This is another key difference with the affordability being based on personal income and, rather than the achievable rental income.

This can result in the amount being less than a standard buy-to-let mortgage as the lender must show that the mortgage is affordable if the rent is not paid.

Each regulated buy-to-let mortgage lender works in slightly different ways. Some are more flexible than others, and there is normally a minimum income for the applicant – your regulated buy-to-let mortgages expert will be able to advise you accordingly.

Will the property type affect my application?

This is true of any application; lenders will always take the type of property into consideration on a regulated buy-to-let mortgage.

Properties that you would generally need to make your broker aware of are.

  • Ex council house.
  • Ex council flats – type of construction, how many floors, deck access.
  • Leasehold properties.
  • Free hold flats.
  • House of multiple occupancy.
  • Listed buildings.
  • Thatched roofs.
  • Any property classed as non-standard construction.

This is an example of some of the property types that may have specific lender requirements/exclusions, so it is important to disclose all information to your mortgage expert from the outset.

Speak to a regulated buy-to-let mortgage advisor.

Our regulated buy-to-let mortgages experts will look at each case before deciding which lender is right for you and your individual circumstances.

All the regulated buy-to-let mortgages brokers we work with are whole of market and offer unbiased advice.

They will have access to all the specialist lenders to really enhance your chances of achieving the mortgage you need.

Therefore, the expert regulated buy-to-let mortgages brokers we work with have experience in dealing with all aspects of regulated buy-to-let mortgages.

Coupled with using the whole of the market to access the absolute best deals available.

To find out how we can help call us on 0300 124 5655 or complete our quick enquiry form to speak to a mortgage expert.

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