Buy to let
A clear route, explained around your situation.
Buy-to-let finance is shaped by the property, the rent it may generate and your wider circumstances. We help new and experienced landlords understand the options, including HMOs and multi-unit freehold blocks.
We begin with a conversation about your plans, circumstances and timing. Then we explain the options, lender criteria and paperwork that may matter, so you know what the next step involves.
How we help
Practical support from the first question onwards.
- Assess the property, rental plan and wider portfolio
- Explain the difference between regulated and unregulated buy-to-let lending
- Support cases involving HMOs and multi-unit freehold blocks
- Coordinate documents, valuation and lender communication
Questions, answered
Useful detail without the jargon.
Why do I need a mortgage broker?
A broker takes time to understand your plans, income, budget and circumstances, then explains suitable routes from a wide panel of lenders. That gives you a clearer basis for your decision.
What can a mortgage broker do for me?
We help you understand your budget, gather the right documents, prepare the application and liaise with the lender, solicitor and estate agent through to completion.
How does the buying process work?
We start with your budget, then support the property search, offer, solicitor instruction, application, valuation and legal completion. We keep you updated at each stage.
How does the finance process work?
We talk through your situation, explain the documents needed, research suitable options, manage the application and stay involved while the lender completes its checks.
I am self-employed, what are my options?
Lenders may assess trading history, accounts, tax calculations and other income evidence. We can explain what documents may be useful and which lender criteria may fit your situation.
Am I a portfolio landlord?
The definition can vary by lender and may depend on how many mortgaged properties you own. We will ask about your portfolio and explain how it may affect the application.
What taxes should I be aware of?
A buy-to-let purchase may involve stamp duty, income tax, capital gains tax and other costs. Tax treatment depends on your circumstances, so take advice from a qualified tax adviser as well as your finance adviser.
Is buy-to-let finance regulated by the FCA?
Most buy-to-let lending is not regulated by the Financial Conduct Authority. Some consumer buy-to-let cases are regulated, so we will explain the status that applies to your situation.
Start with a useful conversation