How Provesta Supports Your Mortgage Needs
At Provesta, we provide a fully integrated investment experience — and that includes helping you secure the right mortgage. We collaborate closely with a network of trusted mortgage advisors who specialize in buy-to-let financing.
Because no two investors are the same, there’s no one-size-fits-all mortgage solution. Our experts take the time to understand your unique financial situation and goals, ensuring they match you with the most suitable and cost-effective lending options available.
If you'd like to explore your buy-to-let mortgage options or have any questions, simply click the Contact Us button below. We’ll connect you with our dedicated mortgage professionals who are ready to assist.
Mortgages with Provesta
At Provesta, we offer a complete support system for investors — and that includes helping you secure the right mortgage. If you need financing for your buy-to-let property, our trusted partners and in-house specialists are here to guide you every step of the way, ensuring you secure the most competitive deal.
Purchasing a property to rent out? You’ll need a specific type of mortgage designed for investment properties — known as a buy-to-let mortgage. Unlike a standard residential mortgage, a buy-to-let loan is intended purely for rental purposes and cannot be used if you plan to live in the property yourself.
These types of mortgages typically require a larger deposit — around 25% — and carry slightly higher interest rates. However, they’re often interest-only, making monthly repayments more manageable.
Lenders usually base their offer on the property’s rental income. Most will expect your rental returns to cover 125% to 145% of the monthly mortgage repayments.
Understanding
Buy-to-Let Mortgages
Lenders set distinct criteria for buy-to-let borrowers, which may vary depending on the provider. In general, you’re more likely to qualify if you:
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Already own a residential property
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Maintain a strong credit rating
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Are under the age of 70–75 at the end of the mortgage term
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Earn over £25,000 annually
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Have experience as a landlord (preferred but not always essential)
Even if you don’t meet every point, our team can connect you with brokers who understand which lenders are flexible and best aligned with your profile.
Who Qualifies for a
Buy-to-Let Mortgage?
1. Pre-Qualification
The journey starts with a simple check of your financial status. This involves a preliminary review of your reported income, assets, and debts — helping lenders get a rough idea of what you can afford. While this is useful, it’s based on self-reported data, so accuracy is key.
2. Pre-Approval
Next comes the formal pre-approval stage, where you’ll provide documentation to verify your financial position. This includes proof of income, outstanding loans, assets, and credit history. Once approved, you’ll receive a pre-approval letter, showing sellers you’re financially ready to move forward.
⚠️ Important: Failing to provide accurate information in the pre-qualification stage can delay or even derail your pre-approval.
Steps in the Mortgage Process
