Buy-to-Let MortgageSolutions
Whether you're a first-time landlord or expanding your portfolio, I'll find the right buy-to-let mortgage for your investment goals.
BTL Lenders
Min Deposit
No Broker Fees
Ltd Co Options
Buy-to-Let Mortgage Types
I can help with all types of buy-to-let mortgages, from single properties to complex portfolio lending.
Standard buy-to-let mortgages for individual investment properties.
- Competitive rates
- Up to 75% LTV
- Interest-only options
Specialist mortgages for landlords with 4+ properties.
- Portfolio assessment
- Cross-charging options
- Higher borrowing limits
Financing for Houses in Multiple Occupation properties.
- Licensed HMOs
- Higher yields considered
- Specialist lenders
Buy-to-let mortgages through SPV limited companies.
- Tax efficient structure
- New or existing companies
- Competitive rates
Expert BTL Mortgage Advice
Whole-of-Market Access
I search hundreds of BTL lenders including specialist providers not on comparison sites.
Rental Calculation Expertise
I understand how different lenders assess rental income and can find the best fit.
Free, Expert Advice
No broker fees - I'm paid by the lender. You get professional advice at no cost.
Fast Turnaround
I know which lenders are quick and efficient, minimising delays on your purchase.
Understanding Rental Coverage
BTL lenders use "rental coverage" to decide how much you can borrow. They typically require the rent to cover 125-145% of the monthly mortgage payment at a "stress test" rate.
Different lenders have different criteria - some use lower stress rates, others accept "top slicing" where your personal income supplements the rental income.
I know which lenders work best for different situations, helping you maximise your borrowing potential.
Buy-to-Let Questions
Ready to Invest in Property?
Book a free consultation to discuss your buy-to-let plans. I'll help you find the right mortgage for your investment.
Free advice • No obligation • FCA regulated