PROFESSIONAL PROPERTY PEOPLE

Buy-to-let mortgages, from first property
to full portfolio.

Whether you are buying your first investment property or scaling a portfolio, we find the right buy-to-let mortgage for your strategy. Standard BTL, HMO, limited company, portfolio landlord cases. We cover the lot.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT
KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Buy to Let

What a buy-to-let mortgage actually is

A buy-to-let mortgage is designed for property you intend to rent out rather than live in. Lenders assess affordability differently to a residential mortgage. Most of the calculation is based on the expected rental income from the property, with your personal income often used as a secondary check.
As an independent broker we advise landlords at every stage, from a first investment property to building a full portfolio. We compare the whole UK market to find the right product for your specific strategy, whether you are buying in your personal name, through a limited company SPV, taking on an HMO, or expanding an existing portfolio.
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25% deposit typical
Most BTL mortgages need a 25% minimum deposit. Some specialist lenders accept 20% but rates improve significantly with a larger deposit.
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Rental yield assessed
BTL affordability is mainly assessed through rental income, not your salary. We check whether the numbers actually stack up before you commit.
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Limited company option
Buying through a limited company can be more tax-efficient for higher-rate taxpayers. We advise on both personal name and SPV structures
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No Upfront Fees
We only charge a broker fee on completion. If your BTL mortgage does not complete, you do not pay us anything. No hidden costs, no surprises.
How We Help

Everything we do for landlords

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Rental Yield Assessment
We calculate whether the property genuinely stacks up financially before you commit to the purchase.
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Whole of Market Search
We compare BTL deals across 90+ lenders to find the right product for your specific strategy.
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Limited Company Advice
We advise on whether buying personally or through a limited company SPV is more tax-efficient.
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Application Management
We review your existing portfolio and advise on remortgaging to release equity for further purchases.
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Portfolio Review
We review your existing portfolio and advise on remortgaging to release equity for further purchases.
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Landlord Protection
We advise on landlord insurance and rent protection to safeguard your rental income and property.
WHAT WE COVER

Types of buy-to-let we advise on

Standard Buy to Let
A single residential property let to one household. The most common BTL structure and the most straightforward to finance through mainstream lenders.
HMO Mortgages
Houses in Multiple Occupation let to three or more unrelated tenants. Higher rental yields than standard BTL but require specialist lenders and underwriting.
Limited Company BTL
Purchasing through a limited company SPV can offer significant tax advantages for higher-rate taxpayers and portfolio investors planning to scale.
Portfolio Landlord
Once you hold four or more mortgaged properties, lenders apply portfolio underwriting. We work with lenders experienced in portfolio landlord cases.
HOW IT WORKS

Four steps to financing your investment

Four simple steps to securing your buy-to-let mortgage.
1

Investment Review

We assess the property, rental yield, and your overall investment strategy on a free call.
2

Market Research

We search the whole market and present the BTL deals that genuinely fit your situation.
3

Application

We handle the paperwork and submit your application to the chosen lender on your behalf.
4

Completion and beyond

Your investment property is financed and ready to let. We stay in touch for the next purchase.
common Questions

Buy-to-let FAQs

How much deposit do I need for a buy-to-let mortgage?
A: Most BTL lenders require a minimum 25% deposit. Some specialist lenders accept 20%, but rates and product choice improve significantly at 25%, 30%, and 40%.
How is affordability assessed for buy-to-let?
Lenders primarily use the expected rental income. They typically require the rent to cover between 125% and 145% of the monthly mortgage payment, depending on your tax band and product type. This is known as the Interest Cover Ratio (ICR).
Can I get a buy-to-let mortgage through a limited company?
Yes. Limited company BTL mortgages are increasingly popular for tax efficiency, especially for higher-rate taxpayers. We advise on both personal name and limited company (SPV) structures and explain the tax implications honestly.
What is an HMO mortgage?
An HMO mortgage is designed for Houses in Multiple Occupation, properties let to three or more unrelated tenants. Specialist lenders are required and we have access to the whole HMO market.
Do I pay extra Stamp Duty on a buy-to-let?
Yes. BTL purchases in England and Northern Ireland attract a Stamp Duty surcharge on top of the standard rates. Scotland and Wales have their own equivalent rules. We confirm the exact figure during your consultation.
Can I live in my buy-to-let property?
No. BTL mortgages are specifically for properties you intend to rent out. Living in the property would breach your mortgage terms. If your plans change, you would need to remortgage to a residential product.
Start Building Your Portfolio

Ready to Make Your Next Property Investment?

Book a free consultation. We will tell you whether the numbers stack up,
which lender suits your case, and what your real borrowing figure looks like.
Book Your Free Consultation