Buy-To-Let Mortgages
Thinking of investing in property?
Diversify your portfolio
Invest in your future with a
Buy to Let
Whether you’re buying your first rental property or expanding your portfolio, our team of expert advisors is here to help you secure the right Buy-to-Let mortgage at the best possible rate.
What is a Buy to Let Mortgage?
A Buy-to-Let mortgage is designed specifically for those purchasing property to rent out.
These mortgages differ from residential ones in that:
- The loan is secured against a rental property
- Income from rent is factored into affordability
- Higher deposit and stricter lending criteria may apply
Buy-to-Let is a long-term investment, and getting the right advice is key to protecting your finances and maximising your returns.
Buy-to-Let Mortgages
How much can I borrow?
Unlike standard mortgages, Buy-to-Let borrowing is typically based on projected rental income rather than just your salary.
That said, lenders still assess:
- Your personal income and tax bracket
- Other financial obligations (e.g. loans, children, credit cards)
- The rental value of the property
- A deposit of at least 30% is typically required
- Your ability to cover mortgage payments even during vacant periods
Speak to us to find out what you qualify for and how to boost your approval chances.
Why Choose EDUC for
Buy-to-Let?
Access to specialist lenders for investment
Advice tailored to public sector and PAYE investors
Full support from application to keys
Help with projected rental yields and affordability planning
Fixed-rate legal fees through our conveyancing panel
End-to-end guidance, including life and property insurance options
“With the right strategy and mortgage, Buy-to-Let can be a smart way to build wealth. We’ll help you make it work.”
Expert Mortgage Advice
How the Mortgage Process Works
Discover what’s possible
We’ll help you assess your finances, rental targets and potential returns.
Put your best foot forward
We’ll prepare a tailored application that presents your rental plan clearly to the lender.
Secure the Investment
We’ll support you through valuation, solicitor selection, and insurance for the rental property.
Finalise and Let
Loan drawn down. Contracts signed. Rent incoming. You’re now a landlord—with our continued support.
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Testimonials
What Our Clients Say
“Cathal and the team's services made the process of purchasing a house as a first time buyer incredibly seamless. They expertly handled all the necessary paperwork, found us the best mortgage, leaving me and my partner with no worries. Their excellent communication ensured that we were well informed and taken care of throughout the entire process”
– V. Carroll
“I have used Educ Mortgages twice in the past 5 years when buying two different properties and I really cannot recommend them enough. I found them always very professional, knowledgeable, quick to respond with a friendly attitude. They made the process of buying a new home much easier for me and my family and I’m so grateful for their amazing service!”
– N. Vojvodic
"We used EDUC mortgages to apply for our self-build mortgage after having difficulty getting approval with our bank. We found them to be professional, knowledgeable and very efficient. If we had any questions they were always only a phone call away. We are halfway through building our house now and delighted that we decided to go with EDUC Mortgages."
– P. Moroney
From the very beginning, Cathal demonstrated a remarkable level of professionalism, knowledge, and dedication to his clients. He patiently explained the intricacies of the mortgage market and the various options available to me. Cathal and his colleague Clodagh promptly responded to my inquiries, kept me updated on the progress, and proactively addressed any potential issues that arose. I always felt informed and supported at every stage of the mortgage application. I would highly recommend EDUC Mortgages to my colleagues and friends.
– C. Hickey