Mortgage advice for every stage of being a landlord
From a first buy-to-let to refinancing a twenty-property portfolio, arranged through a panel of FCA-authorised brokers who specialise in landlord lending.
Request a callbackWho this is for
- First-time landlords buying their first rental property
- Existing landlords remortgaging onto a better rate
- Portfolio landlords structuring finance across multiple properties
- Landlords converting a residential mortgage to buy-to-let (let-to-buy)
- Commercial property investors, including mixed-use and HMOs
Eligibility criteria
- ●Minimum deposit typically 20-25% of property value for buy-to-let
- ●Rental income usually needs to cover 125-145% of the mortgage payment
- ●Most lenders require a minimum personal income, often around £25,000
- ●Portfolio landlords (4+ properties) go through specialist portfolio underwriting
Indicative rates
| Product | Rate | Term |
|---|---|---|
| 2-year fixed buy-to-let | from 5.1% | 2 years |
| 5-year fixed buy-to-let | from 5.4% | 5 years |
| Tracker buy-to-let | from 5.6% | 2 years |
| Portfolio fixed | from 5.7% | 5 years |
Rates shown are indicative and change with market conditions. Your actual rate depends on your circumstances and the lender's criteria at the time you apply.
Affordability estimate
A rough guide only — your lender will run its own stress test and this is not a mortgage offer.
Estimated maximum loan
£192,000
The application process
Initial conversation
A broker reviews your circumstances and the property, no cost or obligation.
Agreement in principle
A soft-search AIP confirms roughly how much you could borrow.
Full application
Documents submitted and the lender's underwriting begins.
Offer and completion
Formal mortgage offer issued, then completion alongside your solicitor.
Documents you'll need
- Proof of ID (passport or driving licence)
- Proof of address, dated within 3 months
- Last 3 months' bank statements
- Evidence of deposit source
- SA302 or accountant's certificate if self-employed
- Existing mortgage statements, if remortgaging
Common questions
Request an adviser callback
No obligation, no cost for the initial conversation.