Helping you secure your Buy-to-Let Mortgage

Whether you’re a first time landlord or building an existing property portfolio, we’re equipped to help you navigate the tricky buy-to-let mortgage market.

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Limited company Buy-to-Let mortgages

Your accountant may have advised you that you should start a limited company for your buy to let endeavours.

With such a wide range of buy to let products specifically for limited companies, it’s imperative that you deal with a mortgage broker to ensure you get the best, most cost effective product available to you.

We work with every buy-to-let lender, some only available to mortgage intermediaries and may not deal with you directly.

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Richmond,Bridge,In,Twickenham,Area,Of,London

Polruan Cornwall Cornish street with houses with view to Fowey Cornwall

Widening your portfolio with holiday lets?

We’re familiar with all niches in the buy to let market, Holiday lets being one of them.

Although, broadly speaking, similar to a normal buy to let mortgage, Holiday let mortgage products have a specific set of criteria that must be met before they can be offered. Lenders will request specific documentation to support the application.

Being whole of market mortgage brokers, we work with a wide variety of lenders who offer Holiday let mortgages.

Speak to us and let us take care of it for you, so you can spend more time searching for your next seaside investment property.

Specialist Buy-to-Let mortgage advice

Having relationships with virtually every lender in the UK means that we can offer niche products for your niche circumstances.

We have helped expats all over the world, first time buyer first time landlords and clients who have credit issues with their buy to let mortgage needs.

Whether you’re looking to mortgage a HMO property or you’re a portfolio landlord, we can help you – whatever your situation may be.

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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.