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Buy-to-let mortgages continue to be a key financial tool for individuals looking to purchase property with the intention of renting it out. In 2026, market conditions, lending criteria, and interest rate expectations are shifting, which makes careful comparison and understanding of available options increasingly relevant for borrowers and investors https://smartcitymortgages.co.uk/buy-to-let-mortgage/ . What is a buy-to-let mortgage? A buy-to-let mortgage is a type of lending product designed specifically for properties that will not be used as a primary residence. Instead, the property is purchased to generate rental income. Lenders typically assess affordability based on expected rental yield rather than solely on personal income, although both factors may be considered depending on the provider and borrower profile. How do buy-to-let mortgages work?