Buy-To-Let Mortgage Based on Rental Income

Are you looking for buy-to-let mortgages based on rental income only? Speak to a specialist advisor today

Perhaps the most common question a buy-to-let investor looking for a new mortgage has is “Can I use rental income to qualify for a mortgage?”

We at Oportfolio will help you look at every scenario and help you find the best possible deal.

A lot of UK banks and building societies will now allow buy-to-let investors and property portfolio landlords to secure a new buy-to-let mortgage based on rental income alone, rather than employed income or other self-employed income. However, it can still be a little tricky which is why speaking to a mortgage advisor is the best thing you can possibly do.

Some lenders would refer to this kind of income as ‘unearned income’ meaning that the income is yet to be earned and can fluctuate depending on the debt you owe on your rental properties.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages.


Buy-to-Let Mortgages

Experts in rental income mortgages

When it comes to all things buy-to-let, we like to think that we know a thing or two. Being a specialist in the buy-to-let sector we know all the important criteria and stipulations that the lenders have which makes us stand out above the rest and, it means we can give you the best advice around.

As part of our process, we will take an in depth look at your current buy-to-let portfolio and talk you through your plans and hopes for future purchases so that we can get a good overview of your situation. Your own personal advisor will then begin to do some research and form a mortgage plan tailored for you. Once you are happy with the plan, our dedicated mortgage administration team will monitor your mortgage application closely to make sure that the lender has everything they need to offer you a speedy mortgage as smoothly as possible.


At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.

We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.

To find out more, we invite you to download our latest brochure.

Oportfolio Brochure

We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.

Understanding a Volatile Mortgage Market eBook

Download Our eBook

Join our mailing list and receive a link to our latest ebook, Understanding a Volatile Mortgage Market. 23 pages of practical insights to navigate the unpredictable mortgage landscape.

You Will Receive A Link To Your eBook Shortly!