With its coastal charm, cultural revival and relatively affordable housing stock, Hastings continues to attract a new wave of property investors — many of whom are looking to enter or expand in the buy to let market.
But with mortgage rates fluctuating, regulations tightening, and the cost of borrowing still higher than pre-2022 levels, it’s more important than ever to understand how buy to let mortgages work and how to make the most of them.
If you’re considering a rental property in Hastings or the surrounding area, this guide will give you the facts, tips and local insights you need to get started.
Why Hastings Is on the Radar for Buy to Let Investors
Hastings has long had appeal for landlords — and 2025 is no different. As more people leave major cities in search of better value and quality of life, towns like Hastings are seeing renewed demand from renters.
Good rail links to London, a thriving arts scene, and access to beaches and green space make Hastings particularly attractive to young professionals, families and retirees. The rental market is active, and while property prices have risen, they still offer more value compared to parts of Kent or West Sussex.
For investors, this means potential for both capital growth and rental yield — especially in areas with strong tenant demand such as St Leonards, the Old Town, and Silverhill.
What Is a Buy to Let Mortgage — and How Does It Work?
A buy to let mortgage is specifically designed for people who want to purchase a property to rent it out, rather than live in it themselves.
Here are some of the key differences from a standard residential mortgage:
- Higher deposit requirements: Typically 25% or more.
- Rental income focus: Lenders assess affordability based on how much rent the property will generate, rather than just your personal income.
- Interest-only options: Many landlords choose interest-only deals to keep monthly costs down and maximise cash flow.
You’ll also find that lenders have stricter criteria around credit history, property types, and experience — especially if you’re buying through a limited company or building a portfolio.
Current Buy to Let Mortgage Rates (2025 Snapshot)
In 2025, average buy to let rates remain higher than they were in the ultra-low interest era — but they have stabilised following the turbulence of 2023–24.
Two-year and five-year fixed rates are commonly used by landlords looking for certainty. Variable or tracker deals may appeal to those who expect rates to fall — but they come with risk.
Rates vary significantly depending on:
- Your deposit size (or loan-to-value)
- Property type and condition
- Your experience as a landlord
- Whether you’re buying personally or via a limited company
Working with a mortgage broker can help you navigate these options and find a deal that matches your plans.
Rules & Regulations Landlords Should Know
The regulatory landscape for landlords has tightened in recent years, and 2025 brings continued focus on property standards and tenant protections.
Here’s a brief overview of what you need to be aware of:
- EPC Requirements: While government plans to require a minimum EPC rating of C have been pushed back, it’s still sensible to prepare for higher efficiency standards in future.
- Licensing: Some parts of Hastings may fall under selective licensing schemes — it’s essential to check before purchasing.
- Deposit Protection: All tenant deposits must be registered with an approved scheme.
- Taxation: Mortgage interest relief remains restricted, and capital gains tax rules have changed in recent years. It’s worth getting professional tax advice to plan ahead.
Letting property is a business — and staying compliant is just as important as finding the right mortgage.
Tips for Securing the Right Mortgage Deal
Getting the best buy to let mortgage isn’t just about chasing the lowest rate. Here’s what else matters:
- Rental Coverage: Most lenders want to see rental income of at least 125–145% of your monthly mortgage payments (based on a notional interest rate).
- Valuation: The lender’s valuation will influence how much you can borrow — and some may down-value properties that don’t meet their criteria.
- Brokers: Many of the most competitive deals (especially for limited companies or specialist situations) are only available through intermediaries.
It’s also wise to consider your long-term plan. Whether you’re hoping to grow a portfolio, remortgage in a few years, or use property as part of retirement planning, your mortgage should support those goals.
How Connect Mortgage Services Supports Hastings Landlords
Based in Hastings, we combine national mortgage expertise with local knowledge of the property and rental market in East Sussex.
Here’s how we help:
- Access to whole-of-market mortgage deals, including specialist buy to let lenders.
- Support with portfolio mortgages, first-time landlord applications, and limited company borrowing.
- Clear, friendly guidance with no jargon — and a real understanding of what matters to landlords in 2025.
We don’t just help you secure a mortgage — we help you make a confident, well-informed investment decision.
Conclusion
Hastings remains a strong contender for buy to let investment in 2025, but success depends on the details — from the property you choose to the mortgage you secure.
At Connect Mortgage Services, we’re here to guide you through every step. Whether you’re just exploring your options or ready to buy, we’ll give you the straight answers and smart strategies you need.
Get in touch today to speak with a local mortgage adviser who truly understands the Hastings market.
