Buy to Let Mortgages Belfast
Last Updated: 9th September 2025
Are you considering investing in property or expanding your rental portfolio? A buy to let mortgage is specifically designed for landlords who want to purchase a property to rent out, rather than live in themselves.
At AIMS NI, we specialise in helping both new and experienced landlords secure the right buy to let mortgage. With access to the whole of market, we compare deals from a wide range of lenders to find the best product for your goals – whether you’re buying your first rental property or building a portfolio.
What Is a Buy to Let Mortgage?
A buy to let mortgage is a loan used to purchase a property that will be rented out to tenants. Unlike a standard residential mortgage, it is designed for landlords and property investors.
Key differences include:
- Rental income is assessed as the main affordability factor, rather than your salary.
- Higher deposit requirements – usually 20–25% of the property’s value.
- Interest-only options are common, meaning you only pay the interest each month and repay the capital when the property is sold or remortgaged.
How Do Buy to Let Mortgages Work?
Buy to let mortgages work by using the potential rental income from the property to determine how much you can borrow. Lenders typically require:
- Rental income coverage – usually 125–145% of the monthly mortgage payment.
- Minimum deposit – typically 20–25% of the purchase price.
- Proof of financial stability – some lenders require a minimum personal income.
At AIMS NI, we’ll help you understand exactly what lenders are looking for and match you with the right buy to let mortgage product for your circumstances.
Who Can Get a Buy to Let Mortgage?
Buy to let mortgages are available to a wide range of people, including:
- First-time landlords – if you’re buying your first rental property.
- Existing landlords – looking to expand or remortgage an existing portfolio.
- Employed and self-employed applicants – subject to affordability checks.
- Clients with complex income – we have access to lenders who consider a wide variety of financial backgrounds.
Even if you’ve been turned down elsewhere, our independent advisors may be able to find a solution.
The Buy to Let Mortgage Process with AIMS NI
Here’s what working with us looks like:
- Free, no-obligation consultation – chat with one of our experienced advisors.
- Review of your plans – we’ll assess your deposit, expected rental income, and long-term goals.
- Whole-of-market comparison – access to specialist buy to let mortgage lenders.
Application support – we handle the paperwork and liaise with lenders on your behalf.
Benefits of Buy to Let Mortgages
Property investment remains a popular choice for many in Northern Ireland. The main benefits of a buy to let mortgage include:
Rental income – generate a regular stream of income from tenants.
Capital growth – your property may increase in value over time.
Portfolio building – finance multiple properties over time to grow your investments.
Flexible products – choose from interest-only or repayment options depending on your goals.
Things to Consider Before Getting a Buy to Let Mortgage
While buy to let mortgages can be a great investment tool, there are some key factors to keep in mind:
- Deposit requirements – typically larger than residential mortgages.
- Higher fees and interest rates – reflecting the higher risk to lenders.
- Tax changes – landlords face specific tax rules on rental income and stamp duty.
- Property risks – such as rental voids, maintenance costs, or changes in property values.
At AIMS NI, we’ll explain all the implications clearly and help you make the right decision for your situation.
Why Choose AIMS NI for Buy to Let Mortgages?
When it comes to property investment, the right mortgage advice makes all the difference. Here’s why landlords across Northern Ireland trust us:
- Whole-of-market access – we compare buy to let products from a wide range of lenders.
- Independent advice – we work for you, not the banks.
- Support for all landlords – whether you’re buying your first property or managing a portfolio.
- Award-winning service – trusted since 2003 by property investors across NI.
- Local advisors – available across Belfast and throughout Northern Ireland.
Start Your Buy to Let Mortgage Journey Today
Whether you’re taking your first step into property investment or expanding your existing portfolio, AIMS NI can help you secure the right buy to let mortgage. With whole-of-market access, independent advice, and experienced advisors across Northern Ireland, we make the process simple and stress-free.
Call us today for a free, no-obligation consultation and let us help you make the most of your property investment journey.
Buy To Let FAQs
Most lenders require at least 20–25% of the property’s value. Some specialist products may need a larger deposit..
Yes. Some lenders cater specifically to first-time landlords, although requirements may be stricter
Some lenders require a minimum personal income (often around £25,000), but others focus primarily on rental income.
No. Buy to let mortgages are strictly for rental properties. If you want to live in the property, you’ll need a residential mortgage.
Lenders base affordability mainly on projected rental income compared to the mortgage payment, usually requiring coverage of at least 125–145%.
Yes. Many landlords remortgage to access better rates or release equity for further investment.
