If you are already a landlord and looking for your next property or thinking of purchasing your first investment our experts can help. You can get a buy-to-let mortgage if: You can afford to take a risk. Investing in property is risky, so you shouldn’t take out a BTL mortgage if you can’t afford to take that risk. You already own your own home. You will struggle to get a buy-to-let mortgage if you don’t already own your own home, whether outright or with an outstanding mortgage. You have a good credit record and are not stretched too much on your other borrowings such as your existing mortgage and credit cards. You earn £25,000+ a year. Otherwise, you might struggle to get a lender to approve your buy-to-let mortgage.