22/08/2026
Want to become a landlord but don’t have a massive mountain of cash sitting around? 💸
Buy-to-Let (BTL) mortgages work a bit differently than buying a home to live in. While you can't get a 100% BTL mortgage on a brand new purchase, you don’t necessarily need to drain your entire savings account to get started.
Here is the breakdown of the minimum deposit options for investing in property right now:
📊 The 25% Gold Standard: This is the market benchmark. Putting down 25% unlocks the most competitive interest rates and gives you access to almost every major lender. If you want the healthier profit margins from day one, this is your target.
⚡ The 20% Specialist Route: Short on cash but found a deal too good to pass up? Some specialist lenders will accept a 20% deposit. The catch? You'll face stricter credit checks, higher interest rates, and the property's rental yield will need to be incredibly strong to pass the bank’s stress tests.
🏠 The Equity Release Hack (0% New Cash): If you already own a home or have an existing rental property, you might not need any fresh cash at all. By releasing equity from your current property, you can use those funds to cover the deposit on your new BTL investment.
🎁 Gifted Deposits: Just like a residential mortgage, many BTL lenders will accept a deposit that has been gifted by a close family member, helping you get your foot on the investment ladder much faster.
Investing in property isn't just for the ultra wealthy, it's about using the right strategy for your current budget.
Hit the link in my bio to get in touch and discover your best options! 📲
