Mortgages
For Investment
Buying, remortgaging, or letting out the home you already own
Whether you're purchasing your first Buy to Let, remortgaging an existing one, or converting your current home into a rental, we search the whole market and help you get the structure right — personal name or limited company — from the start.
Where Are You Right Now?
Start with your situation — and the tools that help most at that stage.
Your Rate Protection Guarantee
Between your mortgage offer and completion — typically 8 to 12 weeks — we monitor the market every single day.
In volatile markets we've switched clients' deals multiple times before completion, saving thousands in interest.
How the guarantee worksDaily market monitoring
We track rate movements every day until you complete.
Free deal switching
If rates improve, we switch your deal at no extra cost.
Locked-in protection
If rates worsen, you keep the terms we already secured.
Run the Numbers First
Free, instant calculators to help you plan — then we'll run your real figures across 100+ lenders.
BTL Max Loan Calculator
See the most you could borrow based on the rent the property will achieve and lenders' stress tests.
BTL Min Rent Calculator
Work backwards from the loan you need to the minimum rent lenders will want to see.
Stamp Duty Calculator
Up-to-date rates including the additional property surcharge, for England, Scotland and Wales.
Whole of Market Isn't the Differentiator — This Is
Every whole-of-market broker can point you to a limited company lender. What changes your outcome is the advice on structure, how the case is packaged, and whether anyone's still watching the numbers afterwards.
We train our own
Every adviser goes through our 2-year in-house programme. No bad habits, no shortcuts.
The right landlord lenders
Direct relationships with limited company and portfolio lenders who understand multi-property stress testing.
Right first time
Properly packaged cases that don't bounce around underwriting — and our £399 fee is refunded if no lender says yes.
Portfolio reviews
We revisit your portfolio as rates, rents and tax rules change, and flag when a remortgage or restructure is worth it.
What Our Clients Say
Real reviews from real clients — verified through Working Feedback, which also captures reviews from clients with a Google account.
Reviews verified by Working Feedback — an independent review platform for financial services firms.
Common Questions
How much deposit do I need for Buy to Let?
25% is the most common starting point and opens up the widest range of lenders and rates. Some lenders will go to 20%, but that means a bigger loan against the same property, so the rent needs to work harder to qualify.
How much rent do I need for the numbers to work?
Lenders test whether your rent covers the mortgage payment with a safety margin — typically 125% for limited companies and basic-rate taxpayers, rising to 145% for higher-rate individual taxpayers. Our BTL calculators show you the figure for your exact case.
Can I live in my Buy to Let property?
No — a standard Buy to Let mortgage requires the property to be let at market rent to a tenant. If you want to live in it yourself, even temporarily, you need a residential mortgage instead.
Should I buy my next property personally or through a company?
It depends on your tax rate and how many properties you're building towards — see the Big Decision on our Buy to Let Purchase page. In short: personal ownership is simpler and suits basic-rate taxpayers with one property; a limited company usually wins for higher-rate taxpayers and growing portfolios.
Our Lender Panel
We work with over 100 lenders across the UK, including specialist limited company and portfolio landlord products you won't find on the high street.
Whole of Market Access
We work with all major UK lenders to find you the best deal
Let's Talk Through Your Investment
Whether it's your first Buy to Let or your tenth, book a free, no-pressure chat and we'll show you the numbers both ways.
Free initial consultation • Zero pressure • 100% transparent