Buy-to-Let
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Helping you grow your portfolio...
Should you use a limited company? How much deposit should you put down? How best to raise capital? Building your investment portfolio is a complicated process. Our mortgage team have vast experience with other landlords and investors and so are able to guide you on your buy-to-let journey.
We search the major but-to-let lenders like BM Solutions, TMW and Santander, as well as smaller specialist lenders, all to get you the best deal.
We have seen it all before, the good deals and the bad. Avoid the pitfalls of but-to-let investment and speak with our expert team.
In addition to mainstream mortgage products, we have access to many exclusive products that aren't available elsewhere.
Once we have found you the right product, we take care of the mortgage process from start to finish, so you can sit back whilst we sort everything out.
Let us review your mortgage related insurances to make sure that you and your family are fully protected in every eventuality.
Have you made your Will? If you haven't we will cover the cost of having one drawn up buy our partners at mylastwill.co.uk
What is a buy-to-let mortgage?
You can only get a standard residential mortgage if you plan to live in the property yourself, Buy-to-let (BTL) mortgages are for landlords who want to buy property to rent it out. Buy-to-let mortgages are similar to residential mortgages, but there are key differences.
- Buy-to-let mortgages are often more expensive than residential mortgages as they represent a higher risk. This is because it is unlikely that your buy-to-let property will constantly be occupied and there may be periods where tenants are unable to pay the rent.
- The amount you can borrow is normally based in the likely rental income generated buy the property (instead of your income), this makes sense as the mortgage payments need to be less than the rent in order to make the purchase viable in the long term.
- Often landlords only pay the monthly interest on the mortgage loan, rather than repayments on the loan itself (repayment mortgages). This is known as ‘interest only’ and results in lower monthly payments for buy-to-let mortgages. However, the mortgage must be repaid in full at the end of the term so the property may have to be sold in the long term to repay the mortgage debt.
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The Process

1.
Answer a few simple questions
The first step is to find out a little more about your situation before scheduling a consultation with the most suitable specialist. Appointments are usually available within a few hours or can be scheduled in the future.

2.
Speak with one of our expert advisors
It’s good to talk, and our friendly mortgage team are here to answer your questions. We do not charge for advice so what are you waiting for, book your appointment today.

3.
Let us find you the best deal
Once we understand your goals the final step is for your advisor to research the market and find you the most suitable product.
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