| For instance, you may find a lot of buy-to-let mortgage UK companies offering very low initial rates, but hiding high additional costs within the small print. Ask them to explain all additional costs, variable rates and payment conditions. Don't just read the small print yourself. If you still have doubts, or if you have a feeling that this particular lender is being cagey with you, just go away and continue looking for better buy-to-let mortgages UK quotes. The first step towards buying your property is to find out exactly how much money you can get from a lender. This is worked out according to your income, usually three times your annual salary before Tax and National Insurance are dedcuted. Some lenders will offer up to seven times your salary! They're not doing you a big favour. A mortgage is a loan that has to be paid back. Default on it, then go bankrupt, and you may find it nigh impossible to get credit of any kind. Your rate is partly calculated on the basis of the risk of default; a good risk attracts a lower rate, a bad risk, a higher one. It's like a bookie calculating the odds, and laying off bets. If it's a joint loan, the mortgage company is likely to offer you either 3 times the annual income of the bigger earner + the total second income, or 2.5 times mes the total joint income. Try to keep the duration of the buy to let mortgage as short as you can. To keep buy-to-let mortgages UK as low as possible, cadge money from other sources. You can: | 
