Buy to Let
Buy to Let Mortgages
The Financial Conduct Authority does not regulate most buy-to-let mortgages.
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Whether you’re buying your first rental property or expanding an established portfolio, buy to let has its own rules, criteria and considerations. We’ll help you make sense of them and find finance that fits the way you invest.
From individual landlords to limited company structures and HMOs, we work with lenders who understand property investment. We’ll explain how rental income, deposits and your wider circumstances affect your options — clearly and without jargon. Please note that the Financial Conduct Authority does not regulate most buy-to-let mortgages.
Individual Landlord Mortgages
If you’re buying a rental property in your own name, we’ll help you find a lender whose criteria suit your income, the expected rent and your wider circumstances. Buy-to-let lending is assessed differently from residential, largely on the rental income the property is expected to produce.
We’ll explain how rental stress tests and deposit requirements affect what you can borrow, and handle the application on your behalf.
Portfolio Landlord Mortgages
Once you hold four or more mortgaged rental properties, lenders treat you as a portfolio landlord, which brings extra underwriting and paperwork. We’re comfortable with these cases and know which lenders take a sensible, streamlined view.
We’ll help you present your portfolio clearly and plan financing across multiple properties.
Limited Company (SPV) Buy to Let
Many landlords now buy through a limited company or special purpose vehicle (SPV). There are lenders who specialise in lending to these structures, and the criteria differ from personal borrowing.
We’ll help you find suitable finance for your company purchase, though we’d always recommend taking tax advice from an accountant on whether an SPV is right for you.
HMO Mortgages
Houses in multiple occupation can offer strong rental yields but need specialist finance, as lenders consider licensing, room numbers and local rules. We work with lenders who understand HMOs and can guide you through the additional requirements.
We’ll help you match the property and your experience to the right lender.
Holiday Let Mortgages
Holiday and short-term lets are assessed differently again, often on projected seasonal income rather than a standard tenancy. A smaller group of lenders operates in this space, and we can help you reach them.
We’ll explain how income is assessed and what deposit you’re likely to need.