Thinking about a Buy To Let Property?

Buying a rental property can be a great long-term investment — but it comes with unique challenges compared to a standard residential mortgage.

We help you understand the risks, calculate your return potential, and secure a Buy to Let mortgage that fits your investment goals.

Tailored Support for Landlords & Investors

What is a Buy To Let mortgage?

Buy to Let mortgages are for people buying a property they plan to rent out — not live in. The main difference? Lenders focus more on the property’s rental income than your personal earnings.

You’ll usually need a larger deposit (typically 20–30%), and interest rates may be slightly higher. You’ll also face extra costs like stamp duty and maintenance — we’ll help you plan for all of it.

Please Note: Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Expert Property Investment Guidance

We help you understand how lenders assess rental yield and long-term risk — so you can choose a property that aligns with your strategy.

Access to Specialist Lenders

Many Buy to Let lenders only work through brokers. We’ll connect you to those who understand landlords and offer competitive terms.

Support for Portfolio Landlords

Own multiple rental properties? We handle complex applications and lender rules around portfolio investors with ease.

Minimise Hassle

From navigating lender requirements to helping you stay compliant — we take care of the process so you can focus on returns.

Benefits of Using a Mortgage Broker for Buy to Let

Be Prepared

Things to Consider When Buying to let

Deposit & Affordability

Most lenders require a deposit of at least 20–25%. Your affordability will often be judged on the expected rental income, not just your personal salary.

Rental Income Requirements

Lenders typically need projected rent to cover 125%–145% of the mortgage payment. We’ll help assess the figures and present your case clearly.

Stamp Duty

Buying a second property? Expect an additional 3% in stamp duty — a cost we’ll help you factor into your budget.

Ongoing Costs

From letting agent fees to appliance servicing, rental properties come with running costs. We’ll help you plan ahead so there are no surprises.

Property Type & Location

Your long-term return depends on the right property in the right area. We’ll help you align your mortgage choices with your investment goals.

FAQs

Can I get a Buy to Let mortgage as a first-time buyer?

Some lenders do allow it, but options may be more limited. We’ll help you explore what’s available.

Do I need a minimum income?

Many lenders ask for at least £25,000 in personal income, but some focus solely on rental yield. We know who’s flexible.

Can I buy through a limited company?

Yes — we can help you explore whether a limited company structure is more tax-efficient for your goals.

What if the property is empty between tenants?

You’re still responsible for mortgage payments. Having a buffer or rent protection insurance is strongly advised.

How long does the process take?

Typically 6–12 weeks from application to completion. We’ll streamline everything to avoid delays.

First Time Buyer

As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.

Remortgage

Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.

Self Employed

We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.

Buy To Let

From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.