Buy to Let Mortgage Advice in Teddington, South West London

Whether you’re becoming a landlord for the first time or expanding an established portfolio, getting the right mortgage is essential. At FPG Mortgages, we provide expert buy to let mortgage advice to clients across Teddington, Middlesex, and South West London – helping you navigate a market that can be complex, fast-moving, and full of pitfalls.

As an independent buy to let mortgage broker, we offer whole-of-market access and personal advice to ensure you’re matched with the most suitable product for your needs and long-term plans.

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Buy to Let Mortgages for Limited Companies

More landlords are now using limited companies to manage their rental properties – often for tax efficiency. If your accountant has recommended this route, it’s important to choose the right lender, as buy to let mortgages for limited companies follow different rules and eligibility criteria.

We work with a wide range of specialist lenders – including those only accessible through a mortgage brokerage like ours. Our role is to find the most competitive deal available, explain all the implications, and streamline the process from start to finish.

Whether you’re based in Middlesex, investing locally in South West London, or looking further afield, we’re here to help you structure your investment finance with confidence.

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Thinking About a Holiday Let?

Holiday lets are becoming an increasingly popular investment – but they’re not the same as standard buy to lets. Lenders apply specific criteria, often based on projected rental income, seasonal demand, and usage patterns.

Our advisors understand the differences and will guide you through the application process. We’ll handle the paperwork, liaise with lenders, and make sure everything is in place – so you can focus on finding your next property.

We’re proud to support clients in Teddington, South West London, and across the UK who are expanding into the holiday let market.

Specialist Buy to Let Advice – Whatever Your Situation

No two landlords are alike, and the same goes for their mortgages. As a fully independent buy to let mortgage brokerage, we’ve helped clients in all kinds of situations – from expats and first-time landlords to those with credit challenges or specialist property types.

Whether you’re financing an HMO, dealing with complex income structures, or managing a large portfolio, we’ll recommend lenders who understand your circumstances and support your long-term goals.

As your local, qualified buy to let mortgage broker, our job is to make sure you get the right product without the hassle.

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Frequently asked questions

How is a buy-to-let mortgage different from a standard mortgage?

In simple terms, a buy to let mortgage is specifically for properties being rented out. A buy to let mortgage is typically on an interest only basis, which means that you don’t pay the capital back each month and only the interest. This so you can minimise your monthly payments and maximise monthly profits, however, you must have a suitable repayment vehicle in place. We can advise on this.

How is affordability assessed for a buy-to-let mortgage?

Lenders assess affordability based on the expected rental income, which usually must cover 125–145% of the monthly mortgage payment. Some lenders can also take a proportion of your employment income into account if the expected rental income is not high enough to get you the loan you need.

What deposit do I need for a buy to let mortgage?

Most products require a 25% minimum deposit, with some lenders offering products requiring just a 20% deposit.

Are there any additional fees for buy-to-let mortgages?

There may be legal fees involved, depending on whether you’re purchasing or remortgaging a property, as well as lender arrangement fees that can vary greatly. You may also have to pay SDLT (Stamp Duty Land Tax). We will confirm any fees for you before you commit to taking a buy to let mortgage with us.

Talk to Your Local Buy to Let Expert

From our office in Teddington, we support landlords across Middlesex, South West London, and beyond. We know the local property market, and we know the lenders – so you can trust us to provide honest advice, fast answers, and access to some of the most competitive deals available.

Speak to an advisor today and find out how we can help you finance your next investment property.