Whether you’re buying your first rental property, remortgaging an existing one or growing a portfolio, buy-to-let lending works differently from a residential mortgage. I’ll help you understand the criteria and find finance that fits your plans.
HOW I HELP
Buy-to-let support
First-time landlords
Guidance on how buy-to-let mortgages work, deposit expectations and how lenders assess rental income.
Buy-to-let remortgage
Reviewing your existing buy-to-let mortgage when your deal ends or if you’d like to raise funds.
Portfolio landlords
Support for landlords with several mortgaged properties, where lenders may look at the whole portfolio.
Ownership structure
Explaining the mortgage options for buying personally or through a limited company — alongside advice from your accountant.
THE PROCESS
Step by step, together.
- 01
Understand your plans
We talk through the property, expected rent and your wider goals.
- 02
Assess affordability
I look at how lenders are likely to assess rental income and your circumstances.
- 03
Find the right lender
I search for buy-to-let products that suit your situation.
- 04
Application to completion
I manage the application and keep everything moving.
GOOD TO KNOW
Things to consider.
- Buy-to-let mortgages usually require a larger deposit than residential mortgages.
- Lenders typically assess the expected rental income alongside your own circumstances.
- Tax rules for landlords can be complex — speak to an accountant or tax adviser for tax advice.
- Factor in costs such as maintenance, insurance, letting fees and void periods.
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
GET IN TOUCH
Let’s talk about your next step.
Send an enquiry using the form, or get in touch directly by phone or WhatsApp.