Mortgages with Lodger Income

Lodger Income

Buy to Let to 85% LTV

Residential to 90% LTV

No Maximum Age

Repayment and Interest Only

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Mortgages with Lodger Income

Lodger mortgages are available to individuals wishing to let a room or part of their main property to a lodger. The government’s rent a room scheme exempts some rental income from tax. However the exemption only applies to income in certain circumstances. Lodger mortgages can therefore be suitable for individuals such as first time buyers needing extra income to support their monthly mortgage payments. Nevertheless, with no full tenancy agreement with lodgers, rental income can be unpredictable, making it difficult to obtain lodger mortgages in some cases.

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Our advisers at Capital Fortune understand the problems various applicants may face when looking to obtain suitable lodger mortgages. Over the years we have established links and contacts with a number of lodger mortgages providers. As a result, we have the knowledge and expertise to secure the best deals for you. Our expert advisers will use their experience and connections to increase your chances of a successful application. Our personalised service is tailored to your individual requirements to enable us to find lodger mortgages deals to suit you.

Call our mortgage broker team now on 020 77 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.


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Find out current best rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Clydesdale Bank Intermediary 2 Year Discount £1449 Fee CLY0.99%DiscountSep-20204.95%4.3%2 years £1449
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%Discount2 years 4.99%4.4%2 years £2149
Progressive BS 2 Year Discount No Fee Purchase BPG0.99%Discount2 years 4.75%4.3%2 years £0
Accord Intermediary 2 Year Discount £1495 Fee ACC1.09%DiscountSep-20204.99%4.4% £1495
Barclays Bank 2 Year Tracker £1999 Fee Purchase Wealth BWO1.19%Tracker2 years 3.99%3.6% £1999
Leeds BS 2 Year Tracker £999 Fee BLH1.19%TrackerJun-20205.69%4.8%30-Jun-2020 £999
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers Cashback BNW1.19%Tracker2 years 3.99%3.6% £999
Nationwide BS 2 Year Tracker £999 Fee BNW1.19%Tracker2 years 3.99%3.5% £999
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback BNW1.19%Tracker2 years 3.99%3.6% £999
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers BiR BNW1.19%Tracker2 years 3.99%4% £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.