Mortgages

Buy-to-Let Mortgage UK 2026 — Is It Still Worth It?

⏱ 10 min read✅ Expert reviewed

Buy-to-let can generate rental income and capital growth, but tax changes and higher deposit requirements have made the maths much harder.

Buy-to-Let Mortgage UK 2026

How Buy-to-Let Mortgages Differ

FeatureResidentialBuy-to-Let
Minimum deposit5–10%25% typically
Assessment basisPersonal affordabilityRental income coverage
Interest ratesLower0.5–1.5% higher

Always take specialist tax and mortgage advice before purchasing investment property.

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