Buy-to-let mortgage advice
Investing in property? We'll find the right buy-to-let mortgage for your portfolio, whether it's your first or your fifteenth.
Free, 30 to 60 minutes, by video or phone.
Nothing to prepare, just bring your questions.
Overview
Buy-to-let mortgages work differently to residential mortgages. Lenders assess them based on the rental income the property will generate, not just your personal income. That means the right lender for one property might be completely wrong for the next.
We work with landlords across North London and Hertfordshire, from first-time investors buying their first rental to portfolio landlords with multiple properties. Whatever stage you're at, we'll find the deal that fits.
The buy-to-let market also moves quickly. Rates, criteria, and lender appetite change constantly, and some of the best deals come from specialist lenders you can't go to directly. We know the market, we know which lenders are right for which scenarios, and we'll find the option that gives you the best return on your investment.
We also handle the whole process for you, from application to completion. You stay focused on the property, the tenants, and growing your portfolio.
How it works
Book a free call
30 to 60 minutes, by video or phone, at a time that suits you. No commitment, no pressure.
We find the right deal
We search the whole market to find the mortgage that fits your situation and goals.
We handle everything
From application to completion, we do the heavy lifting so you don't have to.
How we help
We have access to specialist buy-to-let lenders.
Many of the best buy-to-let rates come from lenders who only work through brokers. We'll find you deals you can't access on your own.
We work with portfolio landlords.
Whether you own one property or ten, we understand how lenders assess your overall situation and how to position your application for the best result.
We help with limited company buy-to-lets.
Many landlords now buy through a limited company for tax efficiency. We'll find the right lender and explain how this affects your application.
We handle complex cases.
HMOs, holiday lets, expat buy-to-lets, properties with non-standard construction. We work with lenders who specialise in the unusual.
★★★★★
I am property landlord I have used kudos mortgages on a few occasions now for either purchasing with a mortgage or doing a re mortgage on a property we already own. Sol has always been very professional and offered us the best deal and follows it through all the way through for us. Highly recommended to use him.
Common questions
Most lenders require a minimum 25% deposit for buy-to-let mortgages, though some specialist products go to 20%. A larger deposit usually means access to better rates.
Lenders assess buy-to-let mortgages mainly on the expected rental income. Most require the rent to cover 125% to 145% of the monthly mortgage payment, depending on your tax bracket. We'll calculate this for you and find lenders that match your situation.
Yes, though some lenders prefer applicants who already own their own home. We'll find lenders who consider first-time landlords and explain what they'll need for your application.
It depends on your tax situation, especially if you're a higher-rate taxpayer. Buying through a limited company can be more tax-efficient but isn't right for everyone. We'll explain how it affects your mortgage options. For tax-specific advice, we'll recommend you speak with an accountant.
An HMO (House in Multiple Occupation) is a property let to three or more unrelated tenants who share facilities. HMO mortgages are more specialist and require specific lenders. We work with lenders who handle these regularly.
A fee may apply for buy-to-let, usually between £295 and £495, because these cases need specialist lender knowledge and more complex application work. We'll always tell you the exact fee upfront, before you commit to anything.
Typically 12 to 16 weeks from offer accepted to completion, depending on the chain and your solicitor. We'll keep things moving so you can complete as quickly as possible.
Yes. Many landlords remortgage to release equity from one property to fund the deposit on another. We'll calculate what's achievable based on the property's current value and the rental income.
Let's get your mortgage
sorted.
A free call, 30 to 60 minutes, by video or phone. No obligation, no jargon. Just honest advice. Nothing to prepare, just bring your questions.
Book a free callYour home may be repossessed if you do not keep up repayments on a mortgage secured against it.