Buy To Let Mortgages

Unlike residential mortgages, BTL lending is primarily based on the rental income the property is expected to generate. Lenders usually require the rent to cover 125%–145% of the mortgage repayments (the 'stress test'). We can help you calculate exactly what you can afford.

Absolutely not. The rates we access are identical to (and sometimes better than) those found directly. We often have access to exclusive broker-only deals that can significantly improve your monthly cash flow.

Typically, BTL lenders require a minimum deposit of 25%, though some products are available at 20%. We can guide you through the latest market requirements.

Yes. We search the whole of market and recommend the most suitable mortgage based on your investment strategy, not on lender commission. Traditional brokers often charge landlords £500 to £1,000+ per application; we are paid only by the lender, keeping your startup costs low.

Yes. We handle complex cases regularly, including Special Purpose Vehicles (SPVs) and HMOs. While these applications are more technical, our advice remains fee-free.