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Buy To Let Mortgages

Buy To Let Mortgages with Manchester Money

MM - Buy To Let Mortgages

We're 5 Star Rated on Google

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Neelam Dharashivkar
3 days ago
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A fantastic team with great expertise, a friendly attitude, and a strong commitment to helping others.
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Leanne Parsons
9 days ago
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From start to finish re-morgaging my property has been a seamless process. Carl my advisor communicated well at a time that was convenient for me and totally took the stress out of the whole process.
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Jeremy Allmand-Smith
9 days ago
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Kept us up to speed during the whole process, communicated well and got us a great deal, would recommend to anyone!
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William Staniforth
10 days ago
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My experience with Manchester money has been great from start to finish. Adam has been very helpful with me securing my first property, very professional!
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Matthew Whittle
10 days ago
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Carl was great and massively helped us with sorting our mortgage to move house
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Jessica Whittle
10 days ago
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Carl has been great for us so far with the set up of our new mortgage. Nothing has been too much trouble. He is very approachable and came highly recommended from a friend too. Carl made it very simple and took the stress away at an already stressful time. Would 100% recommend for all your mortgage needs.
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Mia Berry
12 days ago
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I honestly cannot recommend Carl Barnes and Manchester Money highly enough. When we first started looking into getting a mortgage, I genuinely thought we would never be able to get one. The whole process was so daunting and I was convinced that there was no way we would the point of buying our first home. From the very very beginning, Carl completely changed that. He was incredibly knowledgeable, patient, and reassuring, and took the time to explain everything to us in a way that actually made sense. No question was ever too small, and whenever we were worried about something he was always there to help. What really stood out to us was how far above and beyond he want. He even took the time to answer our questions outside of his normal working hours, which made such a difference during what can be an incredibly stressful process. We never once felt like we were bothering him or that we were just another application. He genuinely cared about helping us get there. And somehow, after thinking it would never happen, our mortgage was approved!! We are now one step closer to buying our first home, and we genuinely don't think we would have felt anywhere near as confident or supported through the process without Carl. He has been absolutely fantastic from start to finish, and we will forever be grateful for all of his help. If you're looking for a mortgage advisor who is knowledgeable, responsive, genuinely cares about his clients, and will go to the extra mile to help you, I couldn't recommend Carl more highly. Thank you so much for helping make something I genuinely thought impossible a reality <3
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Claire Yates
15 days ago
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Recently contacted MM and the team were brilliant. Friendly, helpful and worked really hard when we encountered a few obstacles with our mortgage. Aaron especially made sure that everything was explained in detail with lots of helpful advice from Julia too. Would definitely recommend and use them again.
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Ava Elliott
15 days ago
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We could not recommend Manchester money enough! Aaron has been so patient, professional and amazing with us in buying our first home. He keeps us updated through each process, explains everything in good detail so we could understand. He has held regular calls with us and guided us on the right path. We are both very greatful for all of his help!
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Ryan Jenkinson
16 days ago
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Brandon has been fantastic from the get go. Extremely helpful and made us feel at ease when we our most stressed. Made the whole journey from the start to now very easy for us. We wouldn’t go with anybody else.

Buy To Let Mortgages Manchester

Last updated: 23rd September 2025

At Manchester Money, we make buy to let mortgages simple and stress-free. Whether you’re stepping into property investment for the first time or you’re an experienced landlord looking to expand your portfolio, our award-winning team of mortgage brokers in Manchester are here to help you every step of the way. With access to the whole market, including specialist buy to let lenders, we find the right mortgage tailored to your unique circumstances.

What is a Buy to Let Mortgage?

A buy to let mortgage is a loan designed for purchasing property that you plan to rent out, rather than live in yourself. Unlike standard residential mortgages, lenders assess buy to let applications based on potential rental income as well as your personal affordability.
Buy to let mortgages are commonly used for:

Purchasing your first rental property.

Expanding an existing landlord portfolio.

Specialist investments such as HMOs or student accommodation.

While buy to let can be a fantastic long-term investment, it comes with added responsibilities. That’s why working with expert brokers like Manchester Money can save you time, stress, and money.

Why Choose Manchester Money for Buy to Let Mortgages?

Choosing the right broker is just as important as choosing the right mortgage. At Manchester Money, we offer:

Award-winning expertise – recognised as finalists for the Greater Manchester Business Awards and winners of Top Broker & Top Mortgage Employer awards.

Whole-of-market access – we compare thousands of deals, including those not available on the high street.

Specialist knowledge – we regularly help clients with complex cases such as self-employed landlords, bad credit, or multi-property portfolios.

Convenience – appointments available online or by phone at times to suit you, so you don’t need to take time out of your busy schedule.

With us, you’re never treated as just another application. We take time to understand your investment goals and match you with the most suitable mortgage.

Who Can Apply for a Buy to Let Mortgage?

Lender requirements for buy to let mortgages vary, but typically you’ll need to meet certain criteria, such as:

Deposit – usually at least 20–25% of the property’s value.

Rental income – lenders often require the rent to cover 125–145% of the mortgage payment.

Age limits – some lenders have minimum or maximum age restrictions.

Credit history – clean credit makes it easier, but specialist lenders can help if you’ve had blips.

Whether you’re a first-time landlord or managing a large property portfolio, Manchester Money has the expertise and lender connections to support you.

Types of Buy to Let Mortgages We Offer

No two landlords are the same. That’s why we source a wide range of buy to let mortgage solutions, including:

Standard Buy to Let Mortgages – ideal for individual landlords purchasing a single rental property.

Limited Company Buy to Let – for investors who prefer to purchase through a company structure.

Portfolio Landlord Mortgages – tailored solutions for clients with multiple properties.

Specialist Buy to Let – including HMOs, student lets, new-builds, and clients with adverse credit.

Our brokers will walk you through the pros and cons of each option, ensuring you choose the route that best fits your investment strategy.

The Buy to Let Process with Manchester Money

Securing the right buy to let mortgage doesn’t have to be complicated. At Manchester Money, we make the process as straightforward as possible:

Initial Consultation – we’ll discuss your investment plans and financial situation.

Market Research – our brokers compare thousands of products to find your best options.

Application Support – we handle the paperwork and liaise with the lender on your behalf.

Approval & Completion – guiding you smoothly through to completion, keeping you updated at every stage.

We remove the stress so you can focus on your property investment goals.

Start Your Buy to Let Journey Today

Whether you’re ready to invest in your first property or grow your portfolio, our team of expert mortgage brokers are here to guide you.

Contact Manchester Money today to book your free, no-obligation consultation and take the first step towards securing your buy to let mortgage.

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