Buy-to-Let

Compare hundreds of products to ensure you get the most suitable one for your needs.

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.

Find the best mortgage product

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.

Advice on different strategies and raising capital

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.

Access exclusive mortgage products

In addition to mainstream mortgage products, we have access to many exclusive products that aren't available elsewhere.

Co-ordinate the mortgage process

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.

Organise and compare related landlord insurances

Let us review your mortgage related insurances to make sure that you and your family are fully protected in every eventuality.

Free will drafted with every mortgage

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.

Very informative, professional and helpful company no pressures to take out unnecessary policies. Video calling worked well and responses to questions either on call or email were swift. Definitely recommend them to others.

Kevin TaylorSeptember 2020

Excellent service. The timeline and steps were easy to understand and the sessions were scheduled in good time. The adviser answered all of our questions demonstrating good knowledge about the products & services. Overall excellent and recommended.

Huda ChaudharySeptember 2020

Fantastic customer service. It was easy to arrange the face to face meeting, we had plenty of communication. The representative was very polite and professional. He was very informative and he was not pushy to sell the added extras.

Jamie DawsonSeptember 2020

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The Process

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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.

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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.