Buy to let mortgage lenders have been having quite a hard time with 100 mortgages of late. This is because the whole mortgage industry is full of fear and uncertainty about lending, both to the consumer when the mortgage goes over 75% and to each other.

This makes it trickier for landlords who have been building buy to let mortgage empires over the years, to grow their mortgage businesses further, as the source of money has dried up. Income from rental and buy to rents are at a higher level, since people with no money have no choice, they simply cannot get a mortgage.

Buy to let mortgages and financial lenders tended to specialise in key areas of their lending, i.e. for the bedsit landlord who rented to the Social Security audience, or to Holiday Lets in premium locations. With many of these buy to let properties overseas being auctioned, the market suffered.

This month, a new type of 100 mortgage was launched, with 25% of the equity being guaranteed by family members, so this provided buy to let mortgage investors and first time buyers a chance to get their feet back onto the property ladder again.

Buy to let mortgage lenders have drawn back from their previous position in some countries of lending upto 125% mortgages for the buy to let rental market, since the lending and repayment of credit has become more harder to come by of late.

Previously, many lenders like Northern Rock have been able to offer mortgages for the buy to let and sub prime market of upto 125%, so no deposits were necessary, however of late this has changed.

HSBC, Barclays, Nationwide and Halifax, amongst other banks like Fannie Mae, and Freddie Mac now require deposits on most of their funding mortgage options as well as looking for more consistent repayments and income options in the tighter buy to let mortgage lenders market. This is usually the case in the harder times when funds are more tricky to come by, and now is no different.