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Why compare buy to let mortgages?

Whilst the number of lenders offering buy to let mortgages is a lot lower than a few years ago, there is still a wide range of products available and finding the right one for you can be time consuming and complex.

Buying a property to rent out is not straightforward and there are a lot less products available than was the case a few years ago. Use our simple guides for hints and tips on how to find a good deal on your buy-to-let mortgage.

Review your mortgage deal

As with a normal residential mortgage you should review your mortgage arrangements on a regular basis - this could save you thousands and help manage your finances. Charges for buy-to-let mortgages are normally higher than those for your own use. Lenders will calculate how much they are prepared to lend by taking into account how much rent the property will produce.

Useful tools and calculators

BTL Stamp duty calculator

Check how much stamp duty you will need to pay

Borrow calculator

Estimate how much you can borrow based on your income. If single, enter 0 in second persons income

LTV calculator

Calculate the loan to value that you need

Free credit report

We have teamed up with Noddle, who will provide you with a free credit report for life.

Get your report

Need help, read our guides

We have a large range of mortgage guides to help you find the information you require

Read guides

How can we help you?

SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


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Our trusted mortgage brands

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So you have adverse credit

Don't worry we can still help, simply follow the steps below


First go to: noddle.co.uk and get a copy of your credit report (don't worry the service is free for life)

get my report

Then get in touch with us and let us know your score, good or bad!

Call 01244 456 570


Request a call

We'll then search for a lender who will be suitable for you.

Using your credit score allows us to apply for products you're more likely to be accepted for.

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