Buy-to-Let2

Whether you’re purchasing in your personal name, through a limited company, investing in a house in multiple occupation (HMO), or managing a portfolio of properties, we’re here to support you every step of the way. We always recommend seeking independent tax advice before proceeding, as this can significantly influence the best route for your investment.
There are several key factors that can affect your mortgage options when investing in property:

  • Rental income: Understanding the potential monthly rental income is essential. Many lenders use this figure to assess affordability, so it’s important to speak with local letting agents to get an accurate view of the current rental market.

  • First-time landlords: Some lenders prefer applicants with prior landlord experience. If this is your first investment property, we’ll help you find a lender that supports new landlords.

  • Your personal income: Regardless of how you purchase the property, your income may still be considered as part of the application. This is another reason why tax advice is crucial.

Investing in property doesn’t need to be complicated. Whether you’re purchasing a new investment or planning to let your current home as part of a move, our in-depth knowledge of the buy-to-let mortgage market can help you find the right solution.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £299 to £699 and this will be discussed and agreed with you at the earliest opportunity.