Buy to Let Mortgages
An investment-led service supporting landlord ambitions. We assess portfolios, analyse income, identify lenders aligned to rental strategies, enabling smooth progress from enquiry through evaluation toward securing finance suited to acquisitions, refinancing, portfolio growth, or long-term property objectives.
[ TIMELINE ]
1 - 2 months
[ CLIENT ]
Personal Borrowers
Sole Traders
Limited Company
[ OUR APPROACH ]
Defined strategy - We review and assess your financial position and outline the most suitable lending route.
Precise review - Your portfolio, income, and rental plans assessed to match lenders aligned with your objectives.
Streamlined execution - A calm, efficient process supported by consistent updates through to offer.
[ PRODUCT TYPES ]
Buy-to-Let Mortgages
Investment-focused mortgage products for landlords purchasing or refinancing rental properties, supporting portfolio growth with structured, long-term lending strategies.
Let-to-Buy Mortgages
A dual-solution product enabling clients to retain their existing property while purchasing another, aligning rental income and lender affordability requirements.
Portfolio Landlord Mortgages
Specialist lending for landlords with 4+ properties, including SPVs, portfolio assessment, and structured long-term growth strategies.
HMO & Multi-Unit Mortgages
Solutions for HMOs or multi-unit blocks requiring specialist underwriting, licensing knowledge, and stronger affordability testing.
SPV / Ltd Company Mortgages
Buy-to-let mortgages structured through limited companies, supporting tax efficiency, portfolio expansion, and specialist underwriting criteria.
Holiday Let Mortgages
Mortgage options for furnished holiday lets, with affordability assessed using projected rental income rather than standard tenancy agreements.
Expat Mortgages
Lending solutions for UK nationals living overseas purchasing or refinancing UK property, tailored to international income structures.
Second Charge Loans
A secured loan taken alongside your existing mortgage, providing additional funds without remortgaging, ideal for raising capital efficiently.
[ WHAT DO YOU NEED ]
Personal
Passport
Proof of address
Credit report
Income
Payslips & P60
SA302s & Accounts
Bank statements
Property
Memorandum of Sale
Estate agent details
Solicitor details
[ GLOSSARY ]
HMO: House in Multiple Occupation
SPV: Special Purpose Vehicle
IVA: Individual Voluntary Arrangement
DMP: Debt Management Plan
CCJ: County Court Judgment
[ DISCLAIMER ]
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.