Competitive Buy To Let Mortgages

With a wealth of experience, we are able to recommend the most suitable product, tailored to your individual or limited company needs.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Buy To Let Mortgages

Whether adding to an existing portfolio, fund your first buy to let property or looking to refinance at a more competitive rate, our experienced team are on hand to recommend the most suitable product from a broad panel of lenders.

Reliable, Expert Advice

Competitive Rates

Outstanding Reputation

Range Of Products

Types Of Mortgages Available

Ltd Company

Purchasing a buy-to-let property as a limited company is a common choice and we have access to a broad range of specialist products.

Individual

If you own a buy-to-let as an individual, you need a specialist mortgage to let it. Rates for individual buy-to-let tend to be lower than for a ltd company.

House in Multiple Occupation

Along with a higher level of requirement for compliance, an HMO mortgage is a specialist product; different to a standard buy-to-let.

Portfolio

If you own multiple properties, it might be preferable for you to have a portfolio mortgage and we will be able to talk through the options.

Holiday BTL

Holiday lets (or serviced accommodation) can have a higher risk because of their transient nature. Because of this, a specific mortgage will be needed.

Your Buy To Let Questions Answered

Can I get a mortgage as a limited company and an individual?

Yes, you can get a buy-to-let mortgage as an individual or a limited company. Limited company mortgages are becoming more common than individual buy-to-let mortgages. A limited company mortgage will tend to have a higher interest rate than an indivudual mortgage.

What deposit will I need?

You will typically need a minimum of a 25% deposit for any BTL. This will depend on the rental income and your current income tax rate as to how the lender will stress test the affordability. This then will dictate the level of deposit required.

How does determining borrowing differ to a homeowner mortgage?

Unlike a residential mortgage that is based on the property’s value and your income, a buy-to-let ( BTL) mortgage will be based on several factors. Minimum income of approx. £15000, property value, rental income, income tax bracket. The lender will then calculate the best loan to value that will meet the mortgage payments for full affordability.

I am purchasing a House in Multiple Occupation (HMO) Can you help?

An HMO will require a specific mortgage (and insurance) product as standard buy-to-let mortgages do not permit properties to be used as an HMO. If you are purchasing a property to use as an HMO, drop us a call or message and we will be able to go through your circumstances to recommend the most suitable product.

Can I use equity in my home (or another property) to find a buy-to-let deposit?

This is a fairly common strategy used by property investors and the answer here is yes. Provided you have sufficient equity, you may choose to release funds when remortgaging or take a second charge loan to release the cash. It’s important to remember that you will need to be able to keep up the repayments however and not over-stretch yourself.

How long does a buy-to-let mortgage take to arrange?

Arranging a buy-to-let mortgage takes a similar length of time as a residential mortgage once you get to the full application stage. The main difference will be that you will not receive an agreement in principle. A buy-to-let mortgage can generally take 6-8 weeks.

What are your fees?

Our mortgage fees are £495

Let's Chat

Our team of specialists are on hand Monday to Friday 9am - 5pm to answer any questions you may have.

01322 937 550

Or send us a message