Most buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA) in the UK. This is because they’re considered business loans, where you’re aiming to profit from renting the property.
However, there’s an exception: consumer buy-to-let mortgages. These are mortgages for properties you intend to rent out to close family members (parents, children, siblings, etc.). Because it’s similar to a regular residential mortgage, the FCA regulates consumer buy-to-let mortgages for your protection.