We’re here to help you buy-to-let
If you’re looking to buy a property specifically as an investment, rather than to live in, then you will need a buy-to-let mortgage. Whether you are looking for a holiday let mortgage, Airbnb mortgage, mortgage for tenants on benefits, or a standard buy-to-let, we can help you. We offer both private buy-to-let and Company SPV mortgage advice.
If you’re considering becoming a new landlord, we can help you navigate the maze of buy-to-let mortgage criteria, including ICRs. We can also help you if you don’t own your own property (through a non-owner-occupier mortgage), or if you become an ‘accidental landlord’ (consumer buy-to-let).
Consumer buy-to-let mortgages are for situations where you find letting a property would make sense in the short term, such as if you’re moving in with a partner, need to temporarily relocate, or you inherit property.
It’s worth noting that buy-to-let mortgages tend to be more expensive than standard residential mortgages and often require higher deposits, starting at 15% (85% LTV (Loan-to-Value), but typically 25% (75%LTV). Lenders’ criteria vary widely and are not always clear on first look. We can advise you on this in more detail during an initial consultation.
The Financial Conduct Authority do not regulate buy-to-let mortgages.