Planning to invest in a rental property?
Whether you’re purchasing your first rental property, expanding an existing portfolio or reviewing your current buy-to-let mortgage, there can be a lot to consider.
From rental income, deposit requirements and lender criteria to fees, tax implications and repayment options, the right route will depend on your circumstances and objectives.
As independent buy-to-let mortgage advisers, we can help you understand the options available and explain the key details clearly, so you can make a more informed decision.
We’ll take the time to:
Understand your plans
We’ll take time to understand your goals, the property, expected rental income, deposit and wider plans before helping you explore what may be possible.
Compare mortgage options
We can search a wide range of lenders and products to help you understand which buy-to-let mortgage options could suit your needs, looking beyond the headline rate.
Guide you through the process
When you’re ready to apply, we’ll help with the paperwork, explain what lenders may need from you and keep you updated as your application progresses.
Looking beyond the headline mortgage rate
Deposit requirements are often higher than they are for residential mortgages, and lenders will usually consider factors such as rental income, affordability, property type, landlord experience and whether the mortgage is being arranged personally or through a limited company.
There may also be periods when the property is empty, maintenance costs to cover, changes in interest rates and tax considerations to think about. We’ll help you compare the routes available and understand the potential costs, risks and responsibilities involved.
Buy-to-let scenarios we can support with
Buy-to-let purchases
If you’re buying a property to rent out, we can help you understand what lenders may look for and how different mortgage options could support your plans.
Buy-to-let remortgages
If your current deal is coming to an end, we can review your options and help you understand whether switching lender, staying with your current lender or restructuring your borrowing may be suitable.
Limited company buy-to-let mortgages
If you use a special purpose vehicle or are considering buying through a limited company, we can help you compare mortgage options and understand what lenders may require.
Portfolio landlord mortgages
If you own multiple rental properties, lenders may take a closer look at your wider portfolio, rental income, borrowing and experience. We can help you prepare for this and review your options.
Let-to-buy mortgages
If you want to rent out your existing home while buying another property to live in, we can help you explore whether let-to-buy could be an option.
HMO mortgages
If you’re purchasing or remortgaging a house in multiple occupation, we can explain how HMO mortgage criteria may differ and what lenders may need to assess.
Start by talking through your rental property plans
Whether you’re starting your landlord journey, reviewing an existing mortgage or growing a portfolio, we can help make the mortgage side feel clearer.
Book a free consultation with our Mortgages and Protection team to talk through your plans today:
Important information:
We offer a free initial consultation to discuss your goals and next steps. If you decide to go ahead with advice, charges may apply – these will be explained before you commit. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. Remember your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage products can change or be withdrawn at any time and are subject to underwriting.