Buy to Let & Second home

A buy-to-let mortgage depends on the property, expected rent, deposit, borrower and lender criteria. We help you examine financing options for a purchase or remortgage and explain the mortgage costs and application process.

First-time and experienced landlords

If this is your first rental property, we can explain how buy-to-let borrowing differs from a residential mortgage and what lenders may ask for. If you already own rental properties, we can review the new purchase or existing finance in the context of your wider portfolio.

Individual or limited company borrowing

Some investors borrow personally, and others use a limited company or SPV. Mortgage criteria and costs differ, and changing ownership can have legal and tax consequences. We advise on the mortgage; your accountant and solicitor should advise on the ownership structure and its tax and legal effects.

Rental income and property type

Lenders assess projected rent using their own calculations and may apply different criteria based on property type, tenancy arrangements, and landlord experience. A valuation and rental assessment may affect the amount available. We can discuss the proposed property before you apply.

Remortgaging a rental property

A review may be relevant when a deal is ending, you plan another purchase or your investment needs have changed. We consider the full cost of available mortgage routes, including applicable fees and any early repayment charge.

Talk through your plans

Tell us about the property, expected rent, deposit and current portfolio. We work with investors locally and across the UK.

Discuss Buy-to-Let Finance

The FCA does not regulate some buy-to-let mortgage contracts.