First Time Landlords
New to property investment? We help you understand deposit requirements, rental yield calculations, and which lenders accept applications from first-time landlords.
Buy To Let Mortgages
Property investment can be a great way to build wealth for your family's future. We help you understand buy-to-let mortgages and find lenders who want to work with you.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Commercial buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA).
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA).
Understanding buy-to-let mortgages
Buy-to-let mortgages are designed for property investors who want to rent out their property rather than live in it. These mortgages have different criteria, higher deposit requirements, and are assessed based on rental potential as well as your income.
Key considerations for buy-to-let investors:
- Higher deposits required – typically 20–30% of property value
- Interest rates are usually higher than residential mortgages
- Lenders assess rental income potential, not just your salary
- Additional costs include letting agent fees, maintenance, and insurance
- 5% additional stamp duty applies to second properties
- Void periods between tenants can affect your income
Payments change when your lender adjusts their standard variable rate. You can usually switch lenders or overpay without penalties, but payments aren’t predictable.
Your rate follows the Bank of England base rate for a set period. You benefit when rates fall but pay more when they rise.
Your rate stays the same for an agreed period, so your payments never change. Perfect for budgeting, but you won’t benefit if interest rates fall during your fixed period.
You pay below your lender’s standard rate for a set time, then switch to their full rate. Good for lower initial payments, but you need to afford higher payments later.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
More about buy-to-let
HMO Mortgages
Houses in Multiple Occupation need specialist financing. We know which lenders provide HMO mortgages and understand the additional licensing requirements.
Portfolio Landlords
Already own rental properties? We work with specialist lenders who understand portfolio landlords and can offer competitive rates for experienced investors.
Limited Company Buy-to-Let
Buying through a limited company can offer tax advantages. We help you understand the implications and find lenders who work with property investment companies.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
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