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.
Book a free callOverview
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 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.
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.
Yes, we charge a fee for buy-to-let mortgages because they require specialist lender knowledge and more complex application work. We'll explain our fee structure clearly before you commit to anything.
Typically 4 to 8 weeks from application to completion, depending on the lender and the property. 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.
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