🏠 Buy to Let Mortgages
Unlike residential mortgages, Buy to Let (BTL) mortgages are assessed based on rental income rather than just personal income. Lenders look at the property’s potential to generate profit, not just whether you can afford the monthly payments.
Key differences with BTL mortgages:
✔ Lenders assess rental income (rental yield) to ensure the property can cover the mortgage, usually 125–145% of the monthly payment
✔ A larger minimum deposit is often required, typically 20–25%
✔ You may need to meet minimum income requirements (often around £25,000)
✔ Different tax rules and landlord responsibilities apply
✔ Interest rates and fees can be higher than residential mortgages
From first time landlords to Limited company directors with HMO's, we can help, so get in touch...
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Why Call Us?
We are Independent Mortgage Brokers offering a whole of market choice for mortgages and protection. If you go direct to a lender, they can only recommend their own very limited product range. There are over 100 lenders and thousands of mortgage deals available to research. We listen to you, find out your needs and circumstances, recommend the most suitable mortgage for you and fully explain the features and benefits.
Beware using an estate agent broker that only has access to a limited panel of lenders and are not whole of market.
Give us a call or email and we will give you advice. We can help without charge, whether you use us to get your mortgage or not.
As a whole of market broker we have access to thousands of mortgages to make sure you get the best deal for you.
These are deals not available to the general public or through price comparison sites that we have access to for you.
Wherever you are based within the UK, our unique easy 4 step process allows us to provide you with a full expert independent mortgage broking service.
We are regularly audited to ensure compliance with Financial Conduct Authority regulations. All our mortgage and protection work complies with the FCA regulations. We are committed to Treating Customers Fairly. £1.75 million professional indemnity cover is in place for your protection as well. You are never pressured to take any product.
If we’re unavailable for any reason calls are usually returned within the hour, as are emails or texts. As soon as you confirm which mortgage you would like to apply for, we will get an immediate agreement in principle for you. This puts you in a strong bargaining position when dealing with estate agents and vendors. Everything is done extremely promptly throughout the mortgage application process and you will receive regular updates.
Mortgage application forms are usually long and can be complicated. We complete and submit all the paperwork for you throughout the process.
We are not a Call Centre! You work with one friendly advisor throughout who will fully understand your own particular circumstances. When you call, they will know all about you – we are not a call centre where we read your notes off a screen!
All calls and emails are responded to promptly, we never leave you waiting and chase mortgage companies constantly so that your mortgage is processed as quickly as possible.
Why Call Us?
We are Independent Mortgage Brokers offering a whole of market choice for mortgages and protection. If you go direct to a lender, they can only recommend their own very limited product range. There are over 100 lenders and thousands of mortgage deals available to research. We listen to you, find out your needs and circumstances, recommend the most suitable mortgage for you and fully explain the features and benefits.
Beware using an estate agent broker that only has access to a limited panel of lenders and are not whole of market.
Give us a call or email and we will give you advice. We can help without charge, whether you use us to get your mortgage or not.
As a whole of market broker we have access to thousands of mortgages to make sure you get the best deal for you.
These are deals not available to the general public or through price comparison sites that we have access to for you.
Wherever you are based within the UK, our unique easy 4 step process allows us to provide you with a full expert independent mortgage broking service.
We are regularly audited to ensure compliance with Financial Conduct Authority regulations. All our mortgage and protection work complies with the FCA regulations. We are committed to Treating Customers Fairly. £1.75 million professional indemnity cover is in place for your protection as well. You are never pressured to take any product.
If we’re unavailable for any reason calls are usually returned within the hour, as are emails or texts. As soon as you confirm which mortgage you would like to apply for, we will get an immediate agreement in principle for you. This puts you in a strong bargaining position when dealing with estate agents and vendors. Everything is done extremely promptly throughout the mortgage application process and you will receive regular updates.
Mortgage application forms are usually long and can be complicated. We complete and submit all the paperwork for you throughout the process.
We are not a Call Centre! You work with one friendly advisor throughout who will fully understand your own particular circumstances. When you call, they will know all about you – we are not a call centre where we read your notes off a screen!
All calls and emails are responded to promptly, we never leave you waiting and chase mortgage companies constantly so that your mortgage is processed as quickly as possible.
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