Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.
Who we help
- First-time landlords buying an investment property
- Experienced landlords adding to, or refinancing, a portfolio
- Landlords buying through a limited company
- Homeowners letting out a property they used to live in
How buy-to-let lending works
Buy-to-let lenders usually look closely at the expected rental income from the property, as well as your own circumstances, experience and the deposit you are putting in. Criteria differ between lenders, especially for limited companies, houses in multiple occupation and portfolio landlords.
Personal name or limited company?
Some landlords buy in their own name and others through a limited company. The right structure depends on your circumstances and plans, and it can have tax and legal consequences. We advise on the mortgage side of both structures; you should also take advice from an accountant or tax adviser before deciding.
What you may need
- Details of the property and the expected rent
- Proof of identity, address and income
- Details of any other properties you own and their mortgages
- Evidence of your deposit
- For limited companies: company details and information about directors and shareholders
How it works
- Initial consultationWe take time to understand your goals, circumstances, and finances - no jargon, no pressure.
- Market searchWe look for products that suit your needs and explain the options clearly.
- ApplicationWe handle the paperwork, liaise with lenders, and keep you updated at every stage of the process.
- CompletionCollect your keys. Before your deal expires, we will contact you to discuss what options are available.
Questions about buy-to-let
Do you charge a fee?
Fees are dependent on individual circumstances and will be payable on application. The typical fee would be £495; maximum 2% of the mortgage loan.
Can you remortgage my rental property?
Yes. If a buy-to-let deal is ending, we can review the options with you. See our remortgage checklist.
Please note: This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.