Property investment, handled properly
Whether you are buying your first investment property or expanding a portfolio, buy-to-let mortgage rules are more complex than standard residential finance. We specialise in it.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
How BTL mortgages work
Buy-to-let is different — and we know it inside out
Buy-to-let mortgages are assessed differently from residential mortgages. Rather than primarily basing affordability on your income, lenders focus on the rental income the property will generate — typically requiring it to cover 125–145% of the mortgage payment, stress-tested at a higher notional rate.
Deposit requirements are higher too — most BTL lenders require at least 25%, though this varies by property type, rental yield, and whether you are purchasing as an individual or through a limited company.
We work with landlords at every stage: first-time landlords buying their first investment property, existing landlords remortgaging or expanding, and experienced investors managing portfolios across multiple properties or corporate structures.
BTL scenarios we handle
- First investment property purchase
- Expanding an existing portfolio
- Limited company (SPV) BTL mortgages
- HMO (house in multiple occupation) finance
- Multi-unit freehold block mortgages
- Let-to-buy (retaining your home and renting it out)
- BTL remortgage — reviewing existing deals
- Portfolio landlord assessment (4+ properties)
Why choose us
Landlord finance specialists
Ltd company expertise
Many landlords now purchase through a Special Purpose Vehicle (SPV) limited company. We understand the nuances of company BTL lending and can advise on structuring your purchase accordingly — though we recommend consulting your accountant on the tax implications.
Yield-based assessment
We assess each property's rental yield against lender stress tests before you apply — so you know whether a lender will accept the property before committing to a purchase.
Specialist lender access
The BTL market includes specialist lenders who do not appear on comparison sites. We access products from across a comprehensive range of lenders, including lenders who cater specifically to HMOs, portfolios, and complex ownership structures.
Our process
How we handle your BTL mortgage
Landlord review
We assess your existing property portfolio (if applicable), your income, the target property, and its expected rental yield to establish the full lending picture.
Structure & lender selection
We identify whether personal or limited company ownership suits your position (tax advice from your accountant aside) and match the property to the most appropriate lender.
Application to completion
We manage the full mortgage application, keeping you updated throughout the process and ensuring completion happens to your timeline.
Common questions
Buy-to-let FAQs
Key questions from landlords we work with.
Most buy-to-let lenders require a minimum 25% deposit, though some accept 20% for standard properties. HMOs and multi-unit blocks typically require 25–35%. The deposit requirement also affects the rates available — a larger deposit generally means access to more competitive products.
Rather than income multiples, BTL lenders primarily assess the expected rental income against the mortgage payment — typically requiring rental income to be 125–145% of the monthly interest cost, stress-tested at a higher notional rate (often 5.5%+). Some lenders also consider your personal income, especially for first-time landlords.
Limited company (SPV) ownership has become increasingly popular following changes to mortgage interest tax relief for individual landlords. We can advise on the mortgage implications of both structures, but you should always speak with your accountant about the tax consequences before deciding — the right answer depends heavily on your personal tax position.
A portfolio landlord is anyone who owns four or more mortgaged buy-to-let properties. Portfolio landlords face additional scrutiny from lenders — who assess the entire portfolio's performance rather than just the individual property being financed. We have experience navigating portfolio landlord applications across multiple lenders.
Ready to invest?
Talk to us before you make an offer. Knowing your finance is in place puts you in a much stronger position.
Initial consultations are completely free of charge. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding but will range from £150 to £500 and this will be discussed and agreed with you at the earliest opportunity.