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Buy-to-let mortgages

Good Practice Guide

Publication date:

02 December 2019

Last updated:

02 December 2019


Society of Mortgage Professionals

Advice for mortgage professionals on buy-to-let mortgage properties.

This Good Practice Guide, written in association with Connect, outlines the basics of mortgages and considerations for individuals when evaluating their existing property portfolio or considering a new buy-to-let (BTL)  property purchase.

This guide also focuses on the mortgages that investors use for the purchase of a buy-to-let property and outlines some information around residential and commercial mortgages for comparative purposes.


It examines the following:

  • different property types
  • borrowing criteria for a buy-to-let mortgage
  • buy-to-let affordability calculations
  • portfolio landlords and underwriting
  • costs associated with a buy-to-let mortgage
  • taxation and mortgage implications
  • the mortgage process via a broker
  • advising in the current BTL market


Read the full Good Practice Guide HERE

This document is believed to be accurate but is not intended as a basis of knowledge upon which advice can be given. Neither the author (personal or corporate), the CII group, local institute or Society, or any of the officers or employees of those organisations accept any responsibility for any loss occasioned to any person acting or refraining from action as a result of the data or opinions included in this material. Opinions expressed are those of the author or authors and not necessarily those of the CII group, local institutes, or Societies.


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