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Buy to Let Mortgages
Explore your buy-to-let mortgage options with clear, no-fee advice from experienced mortgage brokers.
30+ Years’ Experience
Nationwide Service
Buying an investment property is a major financial decision
A buy-to-let property can form part of a wider long-term financial plan, but it comes with different considerations to buying your own home.
You may need to think about your deposit, potential rental income, mortgage repayments, tax position, property costs, protection needs and long-term plans.
At Covermore, we help you understand how a buy-to-let mortgage may fit into your wider financial picture.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
What to consider before buying an investment property
Your deposit
Buy-to-let mortgages usually require a larger deposit than a mortgage for your own home.
Your borrowing position
Lenders will assess your income, existing borrowing, financial commitments and overall ability to repay the mortgage.
Rental income
Potential rental income can form part of the wider picture, but it is important to consider periods where a property may be vacant, require repairs or generate lower income than expected.
Monthly costs
As well as mortgage repayments, you may need to allow for insurance, maintenance, management costs, taxes, repairs and other property-related expenses
Your long-term plans
An investment property should fit into your wider financial goals, including your pension, savings, protection and future plans.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
How Covermore helps with
buy-to-let mortgages
At Covermore, we believe good advice starts with a proper conversation. We take the time to understand your life, your concerns, your goals and what you already have in place.
Then we help you identify what may need attention now, what can wait, and what your next smart financial decision should be.
Financial planning should not feel intimidating.
Review your financial position
We start by understanding your income, savings, existing mortgage commitments, financial goals and the type of property you are considering.
Help you understand your options
We explain how buy-to-let mortgages work, what lenders may assess and what may be required before applying.
Explore suitable mortgage options
We help you understand the mortgage options that may be available based on your circumstances and property plans.
Explain the wider financial considerations
We help you consider how a buy-to-let mortgage may fit alongside your pension, protection, savings and long-term wealth plans.
We have partnered up with Ireland’s leading Life Insurance providers & Mortgage lenders
Based on
your situation
Buying a property to let involves different considerations, from rental income and deposits to lender requirements.
We take the time to understand your plans, explain your options clearly and help you decide what may suit your circumstances.
I am buying my first investment property
We can help you understand the key differences between buying an investment property and buying your own home.
I already own a home
We can help you explore how a buy-to-let mortgage may fit alongside your existing mortgage and financial commitments.
I want to build long-term wealth
We can help you consider whether investment property may form part of your wider financial and wealth-building plans.
I am a company director or business owner
We can help you review buy-to-let mortgage options alongside pensions, protection, savings and broader financial planning.
I already own an investment property
We can help you review your existing borrowing and explore options for your next property or wider investment plans.
I am not sure whether buy-to-let is right for me
That is completely normal. We can help you understand the financial commitments, risks and considerations before you decide whether to move forward.
What to prepare before speaking to a mortgage broker
It can be useful to have a general understanding of:
Your available deposit
Your current income and employment position
Any existing mortgages, loans or credit commitments
The type and approximate value of the property you are considering
Your expected rental income
Your monthly budget and ability to manage repayments
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Not sure what financial step to take next?
Do Covermore charge a fee for buy-to-let mortgage consultations?
Covermore provides no-fee mortgage consultations. We will explain clearly how the process works before you make any decision.
How much deposit do I need for a buy-to-let mortgage?
Buy-to-let mortgages generally require a larger deposit than a mortgage for your own home. The amount required will depend on current regulations, lender criteria and your individual circumstances.