Mortgages / Buy-to-Let
Buy-to-Let Mortgages
Whether you are purchasing your first investment property or expanding an existing portfolio, we find the financing that supports your strategy.
The Basics
What is a buy-to-let mortgage?
A buy-to-let mortgage is a loan specifically designed for properties that will be rented to tenants rather than lived in by the owner. These mortgages are assessed differently from residential products — lenders typically focus on the anticipated rental income and the property's yield, rather than solely on the borrower's personal income.
Interest rates on buy-to-let mortgages are generally slightly higher than on residential products, and most lenders require a larger deposit — often a minimum of 25% of the property value. The specific requirements vary considerably between lenders, which is where independent advice makes a real difference.
It is important to understand the tax and regulatory obligations that come with being a landlord. Whilst we are not tax advisers, we can help you understand the landscape and recommend appropriate professionals where needed.
What We Offer
Key features of our service
Competitive Rates
We search across the full range of buy-to-let lenders — from high-street banks to specialist providers — to find the most competitive rates for your investment property.
Rental Yield Assessment
Lenders assess buy-to-let applications differently from residential mortgages, with rental income a key factor. We help you understand how lenders evaluate yield and what it means for your borrowing capacity.
Portfolio Options
If you own multiple investment properties, your lending options change significantly. We advise on portfolio landlord mortgages and the most efficient way to structure borrowing across your properties.
Expert Guidance
Buy-to-let regulations, tax treatment, and lender criteria are more complex than residential mortgages. Our advisers have experience across the full spectrum of investment property scenarios.
Suitability
Who is it for?
First-time investors — if you already own a residential property and are looking to purchase your first investment property, we can explain how buy-to-let mortgages work and what to expect throughout the process.
Experienced landlords — whether you are remortgaging an existing investment property or adding to your portfolio, we compare current market options and ensure you are on the most appropriate product.
Portfolio landlords — those with four or more mortgaged properties face additional regulatory requirements from lenders. We have experience in navigating portfolio landlord criteria and identifying lenders best suited to complex property holdings.
Get Started
Ready to get started?
Speak to one of our advisers — no obligation, no jargon.