Buy-to-Let Mortgages
Smart guidance for your next investment property
Whether you’re investing for the first time or expanding your portfolio, a buy-to-let mortgage works differently from a residential one. Lenders assess things like rental income and property type — so it helps to have clear advice from someone who understands how it all fits together.
I’ll guide you through the key differences, explain what lenders are really looking for, and help you structure things in a way that supports your long-term plans.
Is This Right for You?
You might be considering a buy-to-let mortgage if:
- You want to buy a property to rent out to tenants
- You’re a first-time landlord looking to invest wisely
- You already own one or more rental properties
- You’re thinking about long-term income or pension planning
- You need help comparing limited company vs personal ownership
Download your free mini guide
Discover the 5 things you need to consider before applying for a mortgage as well as the key milestones along the way.
Frequently Asked Questions
Lenders focus more on the property’s expected rental income than your personal salary. You’ll also often need a larger deposit — typically 20–25%.
Not always, but some lenders prefer you to be a homeowner. If you’re not, I can help find lenders open to first-time investors.
Yes — in many cases, you can. This is called a “top-slicing” approach, and some lenders allow it if rental income falls slightly short.
There are pros and cons to both. It depends on your tax position, future goals, and whether you plan to grow a portfolio. I can help you explore both options with your accountant.
These are often treated differently by lenders and may need specialist products. I can advise on which lenders are flexible depending on your plans.
How I Can Help
A buy-to-let mortgage doesn’t have to feel complicated
Buy-to-let lending comes with its own rules and variables—but that doesn’t mean it has to be complicated. I’ll walk you through what’s needed, help you build a case for lenders, and explain your options clearly so you can make smart, confident decisions.