Finance built for investment property.
A buy-to-let mortgage is designed for property you intend to rent out rather than live in. Lenders assess these cases differently. Affordability is driven primarily by the expected rental income rather than your personal income, and the stress tests are stricter.
We advise landlords at every stage. First investment property, second purchase, HMO conversion, limited company structuring, or full portfolio review. We search the whole market and recommend the lender that fits your strategy, not just your numbers.
What to know before you invest.
From 20 to 25% Deposit
Most BTL lenders want at least 25%. Some accept 20% on the right case. Larger deposits unlock better rates and broader options.
Rental Stress Testing
Lenders typically require rent to cover 125% to 145% of the monthly mortgage payment, stress tested at a notional rate.
Limited Company Option
For many higher rate taxpayers, a limited company structure is more tax efficient. We advise on the trade-offs.
No Upfront Fees
We only charge on completion. The investment review is free.
Everything we do for you.
Rental yield assessment
We work the numbers before you commit. If the property does not stack up financially, we will tell you before you offer.
Whole of market search
We compare hundreds of deals across 90+ lenders to find the right rate and structure for your case.
Limited company advice
We advise on whether to buy personally or through a limited company, in coordination with your accountant where helpful.
Application management
We handle the paperwork and lender liaison from start to finish.
Portfolio review
We review your existing portfolio and advise on remortgaging to release equity for the next purchase.
Landlord protection
We advise on landlord insurance and rent guarantee to protect the income side of the investment.
Types of buy to let we advise on.
Standard Buy to Let
Single residential property let to one household. The most common BTL structure and the most straightforward to finance.
HMO Mortgages
Houses in Multiple Occupation let to three or more unrelated tenants. Higher yields, specialist lenders required, and stricter property and licensing rules.
Limited Company BTL
Purchasing through a limited company can offer significant tax advantages for higher rate taxpayers. We advise on the structure and refer to your accountant for the tax detail.
Portfolio Landlord
Landlords with four or more mortgaged properties require specialist underwriting. We work with lenders experienced in portfolio cases and structure the full picture properly.
Four steps to a financed investment.
Investment review
We assess the property, the rental yield, and your wider strategy.
Market research
We search the whole market and present the best BTL deals for your situation.
Application
We handle the paperwork and submit your application to the right lender.
Completion
Your investment property is financed and ready to let. We stay in touch for the next purchase.
Buy to Let FAQs.
How much deposit do I need for a buy-to-let mortgage?
Most BTL lenders require a minimum of 25%. Some specialist lenders accept 20% on the right profile. Larger deposits unlock better rates.
How is affordability assessed for buy-to-let?
Lenders assess affordability primarily on expected rental income. Typically they require rent to cover between 125% and 145% of the monthly mortgage payment, stress tested at a notional rate.
Can I get a buy-to-let mortgage through a limited company?
Yes. Limited company BTL is increasingly common, particularly for higher rate taxpayers. We advise on both personal and limited company structures.
What is an HMO mortgage?
An HMO mortgage finances a House in Multiple Occupation, typically let to three or more unrelated tenants. Specialist lenders are required and the property must meet local licensing rules.
Can I live in my buy-to-let property?
No. Living in a BTL property breaches your mortgage terms and your insurance. If you want to live there, we remortgage to a residential product first.
What is a portfolio landlord?
A portfolio landlord is someone with four or more mortgaged buy-to-let properties. Lenders apply stricter underwriting to portfolio cases. We specialise in this area.
