A recipe for rental success

Owning a rental property is an excellent investment, and your buy-to-let mortgage is a key ingredient in the recipe for rental success. 

Any property that you will be renting out to a tenant, i.e. not living in personally, will need a buy-to-let mortgage rather than a standard residential mortgage – this applies whether you’re a first-time landlord or already have a large portfolio. 

In either case (and anything in between), our expert team can help you create a rental portfolio business plan that maximises your returns. 

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How is a Buy-To-Let mortgage different?

  • It requires a larger deposit – at least 15% (a residential mortgage deposit can be as low as 5%.) 
  • Higher interest rates
  • The amount you can borrow will depend heavily on the potential rental income on that property. 

With the right plan and mortgage, these extra costs will be offset by the rental income that you would earn.

Becoming a landlord: 3 essential considerations


Your rental yield will depend on the area you’re in – that includes the town/city, neighbourhood, and proximity to transport, schools, and other amenities.


There are some risks involved, including bad tenants, unexpected damage and maintenance costs, and economic unpredictability. Read more here.


You will need to create a comprehensive business plan that features aspects such as insurance, marketing, health & safety, and agency management options.

Remortgage Windsor

Complex Buy-To-Let specilists

At Windsor Hill Mortgages we specialise in some of the more complex buy-to-let mortgages, such as:

  • Limited Company
  • HMO
  • Portfolio
  • Above Commercial

As with all types of mortgage, we can help you arrange a bespoke deal that’s tailored to your unique situation and requirements.  

Contact our specialist team today for a no-fee consultation to discuss your buy-to-let business plans and find the best way forward.

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Please note: most buy-to-let mortgages are not regulated by the Financial Conduct Authority.