Buy-to-let mortgage in Birmingham
Buy-to-let lending is assessed on what the property earns, not mainly on what you earn. That single difference is why it has its own brokers. Birmingham's landlords and accidental landlords pay less when they let local partners compete on the same brief.
Birmingham market snapshot
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5
Free quotes, max
100%
Approved & insured
2.6m
West Midlands population
Birmingham pro tip
Eastside and the HS2 Curzon Street area are seeing new-build activity — lenders treat new-build flats differently, so ask a broker before you commit.
Where we operate
Mortgage Brokers across Birmingham
Our approved mortgage brokers professionals cover every major Birmingham postcode area. What comes up most in Birmingham:
Postcode coverage
8 postcode areas served
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Before you ask for quotes
What to know about buy-to-let mortgage
Rent has to cover the mortgage with room to spare
Lenders stress-test the rent against the payment, commonly at 125–145% and at a rate well above the one you are offered. This is the usual reason an application fails.
Deposits start higher
25% is the common minimum and the better rates tend to sit at 40%. Many lenders also want personal income above a floor, often around £25,000.
Limited company lending is now mainstream
Tax changes to mortgage interest relief pushed a large share of new lending into limited companies. Whether that suits you is a question for an accountant as much as a broker.
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