If you consider your property purchase as an investment producing regular income, which you intend to let, you need a buy-to-let mortgage (BTL) to rent out your property. Many lenders consider a buy-to-let mortgage a higher risk, so you may need to satisfy certain conditions to be eligible. Different from lender to lender, it usually includes:\r\r\r\r Existed ownership of home where you live;\r A good credit record without extensive borrowings, including credit cards;\r A separate from rental revenues evidence of employment income or earnings from self-employment. Typically about annual £25,000 +;\r A maximum age requirement of around 75 years of age with lower age limits of some lenders;\r An LTV limit of at least 75% means you need a minimum of 25% savings to proceed with a buy-to-let mortgage.\r Your assumed rental income should cover 125% of your mortgage repayments.