Buy-to-let mortgages
Specialist mortgages for investment properties, including buy-to-let, HMOs and portfolio lending.
Secure competitive finance for your Buy-to-let
Buy-to-let mortgages are assessed differently to residential mortgages, with lenders focusing on the property’s expected rental income as well as your deposit, experience and overall financial position.
The market is also far more varied, with different lenders offering different criteria, rates and borrowing structures depending on the type of property you are purchasing. Whether you are buying a standard rental property, an HMO, a limited company investment or adding to an existing portfolio, choosing the right mortgage can have a significant impact on both cash flow and long-term returns.
Our advisers understand the buy-to-let market and can help you navigate the options available, so that your finance is structured in a way that supports your investment objectives now and in the future.
Standard buy-to-let
Most buy-to-let lenders require a minimum 25% deposit and will want to see that the expected rental income covers a certain percentage above the mortgage payment.
We compare products across the whole market to find the right rate for your property type and borrowing level.
HMO mortgages
Houses in multiple occupation require specialist lending. Standard buy-to-let products don’t cover them and the criteria are more complex, particularly around the number of lettable rooms, licencing requirements and rental yield calculations.
We have experience placing HMO mortgages and know which lenders are active in this space.
Portfolio landlords
If you own four or more mortgaged buy-to-let properties, lenders treat you as a portfolio landlord and apply additional underwriting requirements.
This can make applications more involved, but it also opens up portfolio-specific products and limited company structures that can be more tax-efficient. We advise across all of these routes.
Limited company buy-to-let
Buying through a Special Purpose Vehicle (SPV) limited company has become more common since changes to mortgage interest tax relief.
Whether it’s the right approach depends on your personal tax position, income and plans for the portfolio. We can outline the options and work alongside your accountant on the right structure.
First-time buyers and buy-to-let
It’s possible to get a buy-to-let mortgage as a first-time buyer, though the range of available products is smaller and some lenders won’t consider it. We’ll tell you what’s available based on your specific situation.
Get started
Book a free buy-to-let-consultation below
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Book a telephone appointment
We are looking forward to discussing your mortgage options. To make the most of our appointment, please have the following information to hand:
- Your income details
- Any outstanding debts (including monthly payments and outstanding balances)
This initial mortgage consultation is free of charge, and allows us to gather the information we need about your circumstances and mortgage requirements.
Once we have reviewed your details and supporting documentation, we will arrange the next stage of the process with one of our mortgage advisers, who will research the market and provide personalised mortgage recommendations. Should you decide to proceed with an application, our broker fees are typically:
- £699 – First Time Buyers, Home Movers and Remortgages
- £995 – Buy-to-Let, Semi-Commercial and Commercial Mortgages
We will call you at your scheduled appointment time from the following number:
0208 0044 274
People before property
See for yourself by checking out our reviews on Google and Trustpilot.
“We had an amazing experience with Michelle as our mortgage advisor. She was incredibly helpful, friendly and professional throughout the whole process. She always replied very quickly, even outside normal working hours, and was always happy to answer any questions we had. Thanks to Michelle, the whole mortgage process was quick, easy and completely stress-free. We really appreciate all her help and support and would highly recommend her to anyone looking for a mortgage advisor. Thank you so much, Michelle! ❤️”
“Very helpful, supportive and efficient team – our experience with them has been great so far, highly recommend!”
“Very simple process to renew a mortgage – Michell did identify some new providers; however, in the end, staying with the current provider proved most appropriate and even updated arrangement with cheaper interest rates in the immediate days preceding the expiry date – all very simple and straightforward – would recommend”
“My partner and I were first time buyers and the thorough and timely support of Michelle and her team made the process of securing our mortgage quick and stress-free.”
“Really good communication and speed of response. This was our first time buying so Michelle really helped us through the process.”
Credit Checker
Knowing where you stand financially before you start your property search makes the whole process simpler. Our free credit checker gives you an instant picture of your credit score and history, so there are no surprises when it comes to your mortgage application. It takes minutes, it will not affect your credit rating, and it puts you in a much stronger position before we speak to lenders on your behalf.
Get your free credit score
When applying for a mortgage, it’s so important to have a good credit score. Once you’ve obtained this, you have a much higher chance of being approved for credit.
- Try it FREE for 7 days, then £14.99 a month – cancel online anytime