Buy to let

We work with landlords across the full cycle: identifying investment properties, advising on likely rental yields, overseeing the purchase and then fully managing the tenancy once the purchase is complete.

You can work with us at one stage or across all of them.
Our team also provides property appraisal and valuation services, helping you understand the true value of your assets.

Oxford itself has one of the most resilient rental markets in the South East, driven by university staff, students and young professionals. Entry prices reflect that, but so does demand. Oxfordshire’s commuter towns such as Bicester, Didcot and Abingdon, are reliable performers with strong tenant demand and good transport links, with some exciting developments coming up.

Buckinghamshire offers strong commuter appeal, particularly around Amersham, Chesham, Haddenham and the Chilterns belt where the Metropolitan line access puts central London within easy reach. Milton Keynes attracts investors with its growing employment base, younger demographic and comparatively accessible entry prices.

Northamptonshire offers noticeably stronger yields for investors willing to look a little further north. Lower purchase prices and consistent demand – particularly along the business corridor between Milton Keynes and Coventry – make it an increasingly attractive option.

The Cotswolds operates differently to the other markets we cover. Demand is lifestyle-driven, supply is constrained and well-presented properties command a premium. It suits a different type of investor, but for the right property it can be a strong long-term hold.

We can walk you through the numbers on any of these markets and help you work out where your investment makes most sense.

Buy-to-let lending works differently from residential. Lenders look at rental income coverage, deposit size and sometimes personal income alongside the property itself.

Our in-house mortgage team advises across the whole buy-to-let market, including HMO mortgages, limited company structures and portfolio landlord products.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Getting the right structure at the start can make a material difference to your long-term returns.

We’re not tax advisers, and speaking to an accountant before purchasing investment property is always the right move.

What we can do is flag the questions you need to ask and connect you with professionals who specialise in property investment structuring.

Case Study One:

A couple approached us about what they could do with two unencumbered properties.
We listened and understood the couple’s requirements and looked into their finances to see what was possible and came up with a few solutions, one of which was to re-mortgage and free up £410,000 in capital. A plan the couple agreed to.

We used the capital along with mortgages to purchase five properties. Our negotiating skills meant that we were able to make the purchases with £30,000 left over.

We managed the whole purchasing process along with a programme of refurbishment.  We got each of the properties ready to let and sourced tenants ready to sign the tenancy agreements when the purchases completed.
The couple were able to make £4,000 per month after all costs and realise their dream of retirement.

Case Study Two:

A client came to us with £55,000 of savings and asked us to find them an investment property in the local area.

House price inflation in Bicester has meant that we were unable to find an investment property in Bicester but we were aware of a new build development opportunity outside of the town.

We went to view the property development and secured a two-bedroom ground floor apartment with a rental return of £500 per month exclusive of all relevant fees.  From that point, we instructed the solicitors, managed the purchase process and organised the property to be let. The total cost of the whole process for the client was £52,500 inclusive of Stamp Duty and all fees.

The property was only sourced due to Michelle’s connections with the bespoke builder.