# Buy to Let Mortgages: A Complete Investor’s Guide
Buy to let mortgages enable investors to purchase properties specifically for rental income. This comprehensive guide covers everything you need to know.
## What is a Buy to Let Mortgage?
A buy to let mortgage is a loan designed for purchasing property that will be rented out to tenants, rather than used as your primary residence.
## Key Differences from Residential Mortgages
### Affordability Assessment
– **Rental income** is the primary factor
– **Personal income** secondary consideration
– **Stress testing** at higher interest rates
– **Minimum rental coverage** typically 125-145%
### Deposit Requirements
– **Higher deposits** usually required (20-25%)
– **Lower LTV ratios** available
– **Specialist products** for experienced investors
*Ready to start your buy to let journey? Our specialist brokers can help you find the right mortgage and investment strategy.*