How to grow your property portfolio

Caz Blake-Symes • June 24, 2025

Looking to grow your portfolio and expand into the buy-to-let market? Let us be the helping hand through your journey, making everything as simple and smooth as possible. Buy-to-Let mortgages are different to regular mortgages and require a different type of mortgage. Here is a Brief overview of the Buy-to-let market.


How Is a buy-to-let mortgage different to a regular mortgage?

Buy-to-let mortgages are similar to regular mortgages, but they come with a few differences. Buy-to-let mortgages typically have a higher Loan-to-value ratio, which is the ratio of the loan amount to the value of the property. The minimum deposit for a buy-to-let property is typically 25% of the property's value. For example, if a house is worth £400,000, you would need to put down a deposit of £100,000, and the lender would provide the remaining £300,000.

One other difference between regular mortgages and buy-to-let mortgages is that the interest rates for a buy-to-let mortgage are higher than a regular mortgage. One other difference is that most mortgages are interest-only mortgages which means that you will pay only interest monthly and then at the end of the term will pay off the full capital. These are very uncommon with regular mortgages.

A regular mortgage lender before they loan will check similar properties in your area to see what the demand is like. If lenders see a similar property in the same area which has been on the market for a while it may affect their evaluation of your rental income. If you have a high income, then some lenders will take this into account and therefore lower their ICR requirements.

 

What types of mortgages are available for a buy-to-let mortgage?

When considering a buy-to-let mortgage, there are two main types: repayment and interest-only mortgages.

Repayment Mortgage:

A repayment mortgage involves making regular monthly payments over an agreed term until both the capital and interest are fully paid off. You can choose from different interest rate options, including fixed rate, fixed rate tracker (tied to the Bank of England), and variable rate.

Interest-Only Mortgage:

An interest-only mortgage is the most common option for buy-to-let mortgages. With this type of mortgage, you only pay the interest on the loan amount each month, without reducing the capital. The full loan amount is repaid at the end of the mortgage term.



How can I find the most suitable mortgage?

To find the most suitable mortgage, simply schedule an appointment with one of our representatives. We will provide personalised care to ensure you find the most suitable mortgage for your needs.


We’re here to help you:

Entering the buy-to-let market can feel overwhelming, but you don't have to navigate it alone. We’re here to provide the support and guidance you need. Our expert team offers personalised advice tailored to your financial goals, property preferences, and long-term objectives.

Get in touch with us today to learn more about the ins and outs of buy-to-let investments. Schedule a no-obligation consultation, and let us help you make informed decisions, maximise returns, and confidently step into the world of property investment. We're here to ensure your journey is smooth and successful from start to finish.


Please remember: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE


How can I get advice?

Get in contact with Russell, who will be delighted to discuss all the various options available to you.

How to Contact Us

Tel 01934 442023

Email russell@swmortgages.com

Complete a form via our website www.westonmortgagesonline.com


Our initial mortgage consultation is free and with no obligation; should you proceed to an application, there will usually be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances, but will range from £ 290 to £490 and this will be discussed and agreed with you at the earliest opportunity.

Autumn bounce is here, but buyers may hold more cards as homes for sale hit a 12-year high

By Russell Green • October 5, 2026
House hunters are returning after the summer lull, but a bumper choice of properties means buyers can afford to be choosier. Here is what the changing autumn market could mean if you are planning a move.

Small-deposit mortgages are making a comeback

By Russell Green • September 28, 2026
Struggling to save a huge deposit for your first home? New figures show mortgages for buyers with smaller deposits are accounting for a bigger share of lending. But a 5% deposit does not necessarily mean buying will be affordable, so here is what first-time buyers need to know.

First-Time Buyers - Getting on the Property Ladder with Weston Mortgages Online

By Russell Green • September 24, 2026
Taking your first steps onto the property ladder is an exciting milestone, but let’s be honest: the world of mortgages can feel overwhelming. Between deciphering interest rates, working out borrowing limits, and keeping track of dynamic market changes, it’s easy to feel stuck before you’ve even booked your first viewin

Finding Your Ideal Mortgage Just Got Faster: Introducing Our New Online Quote Tool

By Russell Green • September 16, 2026
At Weston Mortgages Online, we believe that getting a mortgage shouldn't involve endless phone calls, complicated paperwork, or days of waiting just to get an initial idea of what you can borrow.

What the Summer Property Market Is Telling Us About Autumn 2026

By Russell Green • September 3, 2026
Summer can be a difficult time to read the property market. Families go away, house hunting competes with holidays and good weather, and some of the most reliable housing statistics arrive several weeks after the activity they measure.

Why Russell Green at Weston Mortgages Online is the Ally You Need for Your Next Property Move

By Russell Green • August 28, 2026
Navigating the mortgage market can often feel like trying to solve a complex puzzle with missing pieces. Whether you are buying your very first flat, upgrading to your forever family home, or managing a remortgage, the financial jargon and mountain of legal paperwork can easily get overwhelming.

Navigating Your First Home Purchase: Why Using an Experienced Mortgage Broker Makes All the Difference

By Russell Green • August 24, 2026
Stepping onto the property ladder is one of the most exciting milestones in life. However, between understanding deposits, navigating affordability checks, and choosing from thousands of deals, the process can quickly feel overwhelming.

Could your family keep the home if the unexpected happened?

By Russell Green • August 17, 2026
A mortgage can run for decades, but a household’s income can change overnight. Illness, a serious diagnosis, redundancy and death create different financial problems, and no single insurance policy necessarily covers them all. Most homeowners understand the need to insure the building they live in. Buildings insurance
More than five million households are expected to face higher mortgage repayments

Five million homeowners face higher mortgage payments

By Russell Green • August 10, 2026
More than five million households are expected to face higher mortgage repayments by the end of 2028, according to the Bank of England. For homeowners approaching the end of a fixed deal, starting early could provide more time, more options and greater certainty.

Russell qualifies as a member of the Green Finance Institute

By Russell Green • August 8, 2026
We are delighted to share that Russell Green has completed the Green Finance Institute's Certificate in Financing Greener Homes. Delivered by the Green Finance Institute in partnership with Lloyds Banking Group and accredited by LIBF, the Certificate gives Russell the technical knowledge and market insight to confiden