Buy to Let Mortgages

1. Talk through your property plans

Buying your first rental property, adding to a portfolio or reviewing an existing mortgage? We’ll understand the property, your experience as a landlord and what you want the mortgage to achieve.

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2. Review the rent, deposit and costs 

We’ll look at the expected rental income, deposit, property value and your wider finances. Lenders use their own rental affordability tests. We’ll also discuss mortgage fees and payments, including how the capital will be repaid if you choose interest-only.

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3. Compare suitable mortgage options

We’ll explain the rates, fees and lender requirements, and recommend a mortgage suited to your circumstances. If you’re considering buying through a limited company, we can discuss the mortgage options; get separate professional advice on tax and the ownership structure.

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4. Bring the application together

We’ll help prepare the application and paperwork, liaise with the lender and keep you updated. We can also discuss landlord insurance and help you find a solicitor. Approval depends on lender criteria, affordability and the property assessment.