Need a buy-to-let mortgage in Bournemouth or beyond?

Q: What are the criteria for taking out a Buy-to-let mortgage?

Lenders typically base borrowing on expected rental income. Rental income usually needs to be around 25–45% higher than the mortgage payment. Many buy-to-let mortgages are interest-only (you repay the capital at the end), with typical deposits from 20–25% (sometimes higher). Rates and fees are generally higher than residential mortgages, and there are options for a range of credit histories.

Q: First time buyer or experienced landlord?

There’s no strict minimum income, though £25,000+ can open up more lenders. You don’t have to own your own home (it helps), there’s usually no upper age limit, and loan amounts are based on rental income. We also have access to products for holiday lets, HMOs and multi-unit blocks (MUBs). Typical deposits start from around 20%.

Q: What is a Bridging Loan?

A bridging loan is short-term finance, often used when buying before selling, flipping a property or buying at auction. Interest is priced monthly over a short term (often up to 12 months) and is only charged for the period used. It can be more expensive than standard mortgages, though some products have no monthly repayments during the term.

Q: What is a Bridge-to-let?

A Bridge-to-let combines a short-term bridge with a longer-term buy-to-let mortgage under one arrangement. It removes the need to apply for a separate mortgage after the bridge ends, creating a smoother transition to the rental mortgage.

We’ll find the right investment mortgage to support your property goals

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Whether you’re investing in your first rental property or expanding an existing portfolio, tailored advice from a local mortgage expert can make all the difference.

The buy-to-let mortgage market is complex, and choosing the right deal is key to maximising your returns and managing risk. At Bournemouth Mortgages, we specialise in supporting landlords and property investors across Bournemouth, Christchurch, Poole, and throughout Dorset and Hampshire.

📞 Call 01202 985214 today for expert buy-to-let mortgage advice and a no-obligation consultation.

If you're looking for a Buy-to-let mortgage:

Don't waste hours researching landlord loans, HMOs or holiday let mortgages across different lenders.

We have access to the whole market and can guide you towards the most suitable solution for your circumstances.

Do focus on finding the right property in the right location, whether that's in Bournemouth itself, or its surrounding towns.

Let us take the effort out of financing it. Our clients tell us our support in making their property goals a reality is invaluable.

We help clients get to grips with the buy-to-let mortgage market.

Call 📞 01202 895214 today so we can start searching for the best deals and free your time up to focus on your investment property plan.

Buy-to-Let Remortgages & Refinancing

As well as helping new landlords secure their first buy-to-let mortgage, we also support investors looking to remortgage or refinance existing rental properties.

Whether your current deal is coming to an end, you want to release equity for another purchase, or you’re simply looking for a better rate, refinancing can be a smart way to reduce monthly payments and boost your overall returns.

landlord planning property improvements after refinancing their buy-to-let mortgage with b

We compare deals across the whole market and advise on the best options for:

Landlords with single properties or larger portfolios
HMO and holiday let mortgages
Releasing equity to reinvest in Bournemouth, Poole, Christchurch, and across Dorset and Hampshire.

Get in touch today to explore your refinancing options and see how much you could save.

buy-to-let landlord securing a remortgage with bournemouth mortgages

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Buy-to-let Mortgage FAQs

What are the criteria for taking out a Buy-to-let mortgage?

Mortgage lenders tend to calculate the amount you can borrow based on the rental amount you expect to receive.

Rental income typically needs to be 25–45% higher than your mortgage payment.

Most Buy-to-let (BTL) mortgages are interest-only. This means you pay the interest each month, but not the capital amount. At the end of the mortgage term, you repay the original loan in full. BTL mortgages are also available on a repayment basis.

The minimum deposit for a Buy-to-let mortgage is usually 25% of the property’s value (although it can vary between 20-40%). Interest rates and fees also tend to be higher than residential mortgages.

Whether you have good or bad credit, there are always options.

First time buyer or experienced landlord?

keys to a buy-to-let property in bournemouth

Typical eligibility:

No minimum income required, but if you earn at least £25,000 per year you have more options
You don't have to own your own home, but it helps!
No upper age limit
20% deposit
Loan amount based on rental income

We also have access to lenders if you wish to purchase a holiday let, House of Multiple Occupation (HMO)

and a multi-unit block.

What is a Bridging Loan?

A bridging loan can be useful if you need to borrow money for a short period. Bridging loans are priced monthly, rather than annually, because they tend to have a 12 month term and can be repaid early. Interest is only due up until the point the loan was repaid, so if you've bought a property to flip, a benefit of a quick flip will mean that you've paid less interest on a bridging loan.

If you're buying a new home but haven't found a buyer for your property, a bridging loan could be for you. Bridging loans can also be used to purchase a property at auction.

Once the bridging loan ends, it's repaid with the sale of the property or by setting up a new mortgage.

One of the downsides of a bridging loan is that they are quite expensive. Some come with no monthly repayment.

a property and a bridge depicting a bridging loan

happy landlord after securing a buy-to-let mortgage with bournemouth mortgages

What is a Bridge-to-let?

Bridge to lets can be useful as they offer the ability to get the bridging loan and mortgage arranged under one 'roof'. You wont have to worry about finding a buy-to-let mortgage once the bridging loan has to be repaid.

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