Buy-to-Let Mortgages
Finance to build and grow your property investment, done properly.
Whether you're buying your first rental or expanding a portfolio, buy-to-let finance works differently from a residential mortgage. Lending is based largely on the rental income the property will generate, and criteria vary widely between lenders.
We work with mainstream and specialist buy-to-let lenders — including those comfortable with limited companies, HMOs and portfolio landlords — to structure your borrowing tax-efficiently and for the long term.
Key features
Rental-based lending
Deals assessed on projected rent, not just your personal income.
Limited company options
Access lenders who lend to SPVs and company structures.
Portfolio friendly
Solutions for landlords with multiple properties and HMOs.
First-time landlords
Guidance for those buying their very first rental property.
Is this right for you?
This could be a great fit if:
- You're buying a property to let out
- You're a first-time or experienced landlord
- You want to buy through a limited company
- You're growing or refinancing a portfolio
Frequently asked questions
How much deposit do I need for buy-to-let?
Typically 20–25% of the property value, though it varies by lender and property type. We'll find the most competitive option for your deposit.
Should I buy through a limited company?
It can be tax-efficient for some landlords, but not all. We'll help you access the right lenders and recommend you speak to a tax adviser.
Do you help portfolio landlords?
Yes — we regularly arrange finance for landlords with multiple properties, including specialist portfolio lenders.
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Remortgage
Switch to a better rate, release equity or reduce your monthly payments.
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One of the best mortgage & protection advisors in Kent. If you want to buy a house and you need someone to think it through and set up a plan, or you want to re-mortgage, or just invest in housing, Iuliana is the one to call!Eutalia Leonte · February 2023 28 clients recommend us
Will the rent cover the borrowing?
Give us the asking price and the likely rent over the phone, and we'll tell you whether it stacks up before you spend a penny on it.
