Whole-of-market buy to let mortgage advice to help landlords secure competitive rates and navigate lender criteria with confidence.
FCA Regulated
5 Star Reviews
Free Advice
First Time Landlords
If you’re buying your first investment property, buy to let mortgages work differently to residential lending. Lenders will focus on the property’s rental income, deposit size, and your overall affordability rather than just your personal income.
We can help first-time landlords understand:
How much deposit is typically required
Whether the expected rent meets lender stress tests
Which lenders are most suitable for new landlords
How fees, rates, and criteria differ from residential mortgages
Our role is to guide you through the process and help you secure a buy to let mortgage that fits your goals from the outset.
Existing & Portfolio Landlords
For landlords with existing properties, buy to let mortgage options can become more complex. Lenders will often assess your entire portfolio, rental coverage, and overall exposure rather than looking at each property in isolation.
We provide whole-of-market advice for:
Landlords expanding an existing portfolio
Remortgaging buy to let properties
Portfolio landlords with four or more properties
Structuring lending across multiple properties
By comparing lenders across the whole market, we help you manage affordability, maximise borrowing potential, and keep your portfolio sustainable as it grows.
HMO & Multi-Unit Buy to Let
Houses in Multiple Occupation (HMOs) and multi-unit properties often require specialist buy to let mortgages. Lenders assess these cases differently, considering factors such as property layout, rental income from multiple tenants, and local licensing requirements.
We can help with:
Standard and complex HMOs
Multi-unit freehold blocks (MUFBs)
Limited company (SPV) buy to let structures
Specialist lender criteria and stress testing
Whether you’re purchasing, refinancing, or restructuring finance, we’ll help you navigate the additional complexity and identify lenders suited to your property type.
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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.
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