Consumer Buy
To Let
Consumer Buy-to-Let (CBTL) is a type of mortgage that is designed for individuals who want to purchase a residential property for investment purposes and rent it out. Unlike traditional Buy-to-Let (BTL) mortgages, which are designed for professional landlords and investors, CBTL mortgages are intended for “accidental landlords” or individuals who are letting out a property that was previously their primary residence.
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The term “consumer” in CBTL refers to the fact that the borrower is an individual and not a company or professional landlord. CBTL mortgages were introduced by the UK government in 2016 to provide greater clarity and protection for individuals who were renting out their homes.
One of the key differences between a CBTL mortgage and a BTL mortgage is that the former is regulated by the Financial Conduct Authority (FCA) and therefore subject to stricter affordability and underwriting criteria. This means that lenders are required to assess the borrower’s ability to afford the mortgage repayments, taking into account their income, expenses, and other financial commitments.
Overall, a CBTL mortgage can be a suitable option for individuals who want to rent out a property that was previously their primary residence. However, it’s important to understand the differences between a CBTL and a BTL mortgage and seek professional advice before making any decisions.
Contact us today to speak to one of our advisers and take the first step towards finding the right mortgage for you.
