---- Prestige Award winner 3 years running
Buy To Let Mortgage Edinburgh
If you're investing in rental property around Edinburgh or the Lothians, we offer independent, whole-of-market mortgage advice — helping you see what's realistic, weigh up your lender options, and plan your next move with confidence.
Free initial consultation, no obligation
20–25%
3X
Prestige Award winner, three years running
£0
Initial consultation is FREE with no obligation
FCA
Appointed representative.
Buy to let in Edinburgh
A clear route to your next Edinburgh rental property.
Getting a buy to let mortgage right takes more than comparing headline rates. Underwriters look just as closely at the property itself, the rent it's expected to bring in, your deposit and income, and where your investment plans are heading — and all of that shapes which lenders are actually willing to lend.
Whether you're taking on your first rental flat, growing an existing portfolio, or planning a purchase through a limited company, we work alongside landlords at every stage. We'll break down the decisions in plain terms, point out where the risk lies, and manage the finer details once you're ready to go ahead.
Buying in Scotland
What’s different about a Edinburgh buy to let?
Scotland's purchase process and Edinburgh's own property market throw up questions a standard mortgage calculator won't answer. Here's what we check before pointing you toward a lender.
Home Report still applies
Every Scottish purchase comes with a Home Report — a surveyor's valuation lenders lean on heavily. We'll help you understand how it lines up against your offer price and the mortgage you're applying for.
Tenement details can change the route
Large parts of Edinburgh sit within conservation areas or carry listed status, and roof, factoring and common repair arrangements vary flat by flat. Getting the lender right can matter far more here than chasing the lowest advertised rate.
Short-term let rules can shape the plan
The whole of Edinburgh is a designated short-term let control area, so a flat bought with Airbnb-style letting in mind may need a licence and planning permission alongside the mortgage. We'll help you weigh that up if short-term letting is part of your thinking.
How it works
From first conversation to keys in hand
Good advice should make the next step obvious. We keep the process simple, explain each decision in plain English, and stay close to the parts that usually cause delays.
Talk through the plan
We start with a conversation — what you're hoping to buy, how you're putting the deposit together, and whether you're already a landlord elsewhere.
Check the numbers
Your income, the rent the property should achieve, your deposit and any existing commitments all go into building a realistic Edinburgh budget.
Compare the market
We search everywhere from mainstream high-street banks to specialist buy to let providers to land on the route that suits your situation.
Prepare the application
From gathering the right paperwork to answering the lender's questions, we put together a complete, clearly presented case before it's submitted.
Keep things moving
Right up to completion, we're chasing the lender, solicitor and valuer so nothing sits waiting on our end.
Why Us
Why choose Prestige Mortgage Solutions?
Specialist advice, without the fuss.
We aim to offer more than the average broker — the experience and attention to detail a property investment deserves.
01
Whole-of-market access
We're not tied to a shortlist of usual suspects — access spans high-street names and specialist lenders alike, matched to what your case actually needs.
02
Clear, human guidance
Expect plain English, not a wall of jargon — we talk you through the numbers, what the lender is asking, and what each choice actually means for you.
03
Complex cases welcome
Whether it's self-employed income, an existing portfolio, past credit issues or a limited-company purchase, these cases often need a more considered route — and we're comfortable with that.
04
A thorough process
Nothing gets left to chance: we liaise directly with everyone involved and keep the paperwork moving until it's done.
Local knowledge
Edinburgh areas we help landlords in.
From tenement flats in Marchmont and the New Town to family homes out toward Musselburgh and Livingston, we support landlords across Edinburgh and the Lothians — plus clients throughout the rest of the UK.
⚲Leith ⚲Marchmont ⚲Bruntsfield ⚲Morningside ⚲Newington ⚲Stockbridge ⚲New Town ⚲Portobello ⚲Corstorphine ⚲Gorgie ⚲Musselburgh ⚲Dalkeith ⚲Penicuik ⚲Livingston
Not listed? Call us — we cover the whole of the UK
What our Clients say:
"Fantastic company, went to great lengths to assist. Would use them again. Totally went out of their way to get the monies through on time. Basically chased up the deal where our solicitors didn’t to have it completed on time. Can’t thank them enough."
"Most professional financial service ive used, chris was efficient and wasted no time in getting me a deal i didnt think was possible with 1 year of Ltd company accounts,but Chris make it possible,very professional and always there to answer all kind of questions,highly recommend if someone is looking to buy a dream house"
"Excellent service and high quality work. They provided me with a range of mortgage options and gave me the best deals for my circumstances. Always answered my queries and there to help. Thank you Chris."
FAQs
Buy to let questions, answered.
What is a Buy To Let mortgage?
A Buy To Let mortgage is designed for people who want to purchase a property to rent out to tenants rather than live in it themselves. The mortgage is usually assessed based on the expected rental income as well as your financial circumstances.
How much deposit do I need for a Buy To Let property in Edinburgh?
Most Buy To Let mortgages require a larger deposit than a standard residential mortgage. The exact amount can vary depending on the lender, property type, and your individual circumstances.
Can I get a Buy To Let mortgage in Edinburgh as a first-time landlord?
Yes, many lenders offer Buy To Let mortgages to first-time landlords. However, eligibility requirements can vary, so it is important to explore the options available to you.
Can I get a Buy To Let mortgage through a limited company?
Yes, it may be possible to purchase a Buy To Let property through a limited company. This option can be suitable for some landlords, depending on their investment plans and financial situation.
How is rental income calculated for a Buy To Let mortgage?
Lenders typically assess the expected rental income to ensure it is sufficient to cover the mortgage payments, usually with a required margin. The exact affordability criteria will depend on the lender.
Can a mortgage broker help me find a Buy To Let mortgage in Edinburgh?
Yes. A mortgage broker can help you understand your options, compare suitable mortgage products, and guide you through the application process based on your individual circumstances.
Ready to talk property?
Let’s make your next move clearer.
Tell us a little about the property you’re considering and we’ll help you understand the mortgage options available. No pressure, no obligation — just a useful first conversation.