Buy To Let
From a single rental property to a portfolio held in a limited company, including the specialist lenders other brokers don't reach.
Buy-to-let lending has changed a lot - tighter rules on rent vs. mortgage, more people buying through a limited company, and big differences between lenders. We work with landlords from first-timers to seasoned investors, setting the borrowing up around your tax position and your longer-term plan.
We'll explain how lenders test the rent against the mortgage, what deposit you'll need, the rules around tenancies, and the pros and cons of buying personally versus through a limited company. The right structure on day one saves a lot of pain later.
Most new buy-to-let purchases are now made through a limited company set up just for the property. We work with the lenders who specialise in this every day, understand the tax and accounting choices that come with it, and know which lenders will let your other income help support the borrowing.
Once you have several mortgaged properties, fewer lenders will work with you - and the ones that do ask for more information. We prepare the paperwork properly, run the lender's affordability checks across the whole portfolio, and know which providers specialise in landlords with bigger holdings.
Higher rental yield usually means more complexity. We've arranged finance on houses in multiple occupation (HMOs), blocks of flats on a single title, holiday lets, and refurbishment schemes - and we'll tell you honestly when a deal doesn't add up.
If yours isn't here, just ask - there's no such thing as a silly question on something this important.
Direct lineNo forms, no call queues. Pick up the phone or send us an email and you'll speak to a real person - usually the same working day.
