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Buy-to-Let Mortgage Broker – Secure the Best Deal for Your Personal Investment

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0208 050 1962

Investing in property in your own name is the most traditional route for landlords – but choosing the wrong mortgage could cost you thousands over the life of your investment. 

Whether you’re taking your first steps into property or adding to your portfolio, getting the right advice at the start can make all the difference.

As specialist buy-to-let mortgage brokers, we work with both first-time landlords and experienced investors to secure finance that maximises rental yield, meets lender affordability rules, and positions you for future portfolio growth.

Why Individual Landlords Choose Us

Many landlords focus solely on the interest rate when choosing a mortgage – but there’s far more to consider. Deposit size, stress testing, product flexibility, and tax implications all affect your profitability. We will help you:

  • Pass rental income stress tests so your application doesn’t hit a dead end
  • Choose between interest-only or repayment mortgages to match your investment goals
  • Access competitive rates for both first-time and existing landlords
  • Plan finance for future expansion, avoiding lender restrictions that block portfolio growth

How Individual Buy-to-Let Mortgages Work

  • Deposit requirements: Most lenders require 20–25% of the purchase price
  • Rental income rules: Expected rent must comfortably exceed the monthly mortgage payment (stress-tested at a higher interest rate)
  • Mortgage types:
    • Interest-only – Lower monthly payments, better cash flow
    • Repayment – Gradual equity build-up over time

Challenges We Address

  • ❌ Applications rejected because rental income didn’t meet lender requirements
  • ❌ Paying too much interest due to lack of access to specialist deals
  • ❌ Missing out on properties due to slow mortgage processing
  • ✅ We source exclusive deals, run pre-checks, and guide you through the full application so you can secure property quickly and profitably.

  • Why Individual Landlords Choose Us

  • How Individual Buy-to-Let Mortgages Work

  • Challenges We Address

Speak to a Buy-to-Let Mortgage Specialist Today

Check your eligibility and secure the best deal to grow your rental income.

Speak to an Advisor
+44 746 780 1485

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Buy-to-Let Mortgages for Individuals FAQs

Key questions answered about Buy-to-Let Mortgage specialists.

  • Are buy-to-let rates higher than residential mortgages?

    Yes – usually slightly higher, reflecting the investment nature of the loan.

  • Can I get a buy-to-let if I don’t own a home yet?

    Some lenders allow first-time buyers, but options are limited – we’ll identify the best ones.

Are You Eligible?

Many landlords assume that if they have a less-than-perfect credit history,
their buy-to-let dreams are over. In reality, specialist lenders are far more flexible.

You may still qualify if you have:

  • County Court Judgments (CCJs): Small or satisfied CCJs can be accepted
  • Defaults: Historic or minor defaults are often overlooked
  • Debt Management Plans (DMPs): Active or settled arrangements may be fine
  • Missed Payments: Occasional missed payments may not prevent approval
  • Low Credit Score: Lenders may focus on rental income potential over credit score

We’ll match you with the right lender and structure your application for the best chance of approval.

  • Applicant Criteria
  • Residency Criteria
  • Income Criteria
  • Loan Criteria
  • Minimum Age: At least 21 years old
  • Maximum Age: 75 years old at the end of term; for joint applications, age of oldest applicant used
  • Maximum Number of Applicants: 2
  • Guarantors: Not accepted
  • First-time Buyers: Accepted
  • Marital Status: Applications from married/civil partnership applicants must be in joint names
  • Maximum Allowable Adverse Defaults: None in last 6 months. Individual defaults up to £200 may be disregarded if related to utilities, communications, or mail order
  • CCJs: None in last 6 months
  • Mortgage/Secured Loans: Arrears status of 0 in last 6 months; none missed in last 12 months
  • Fixed Term Agreements: No missed payments in last 6 months
  • Revolving Credit: Missed payments considered
  • Bankruptcy: Accepted if discharged >3 years ago (Standard range: >6 years)
  • Payday Loans: Accepted if account closed >12 months ago
  • Repossessions: Accepted if repossession >6 years ago
  • Debt Management Plans: Advised to speak to broker for specifics
  • Residential Status: 3 years UK residential address history required
  • Visa Requirements: One applicant must have indefinite leave to remain. Others must have indefinite leave or Right to Reside with valid visa (minimum 12 months)
  • Accepted Visa Types: EUSS Pre-Settled/Settled, Leave to Remain, Family Visa, Skilled Worker, UK Ancestry, Health & Care Worker, British National (Overseas), Intra-company transfer
  • Diplomatic Immunity: Not accepted
  • Minimum Earned Income: £18,000 per application
  • Foreign Currency: Not accepted
  • Diplomatic Immunity: Not accepted
  • Self-Employed – Limited Company: 2 years accounts, 3 months business statements; SA302 only as support; include additional remuneration where applicable
  • Self-Employed – Sole Trader/Partnership: 2 years accounts, 3 months business statements; SA302 may be requested
  • Retired: Private pension accepted
  • Employed: Minimum 3 months in current job, 6 months continuous employment; contract employees – 12 months; day rate contractors; payslips – 3 months or 6 weeks if weekly; zero-hour contracts with conditions; seasonal/temporary work not considered
  • Income Types Considered: Basic Salary 100%, Car Allowance 100%, Bonus 50%, Overtime 50%, Commission 50%
  • Maximum LTV: Up to £1 million for 75% LTV; up to £750,000 for 85% LTV
  • Maximum Term: 35 years
  • Minimum Term: 5 years, 1 month
  • Minimum Loan: £25,001
  • Maximum Loan: £1 million at 75% LTV; £750,000 at 85% LTV
  • Remortgage Applications: Accepted if applicant has owned property for 6 months
  • Repayment: Capital & Interest; Interest Only up to 60% LTV with repayment strategy
  • Offer Validity: 90 Days
  • Application Validity: 45 Days
  • Let To Buy: Accepted
  • Right To Acquire: Not accepted

Buy-to-Let Mortgages Made Simple

Expert guidance to secure the best deal, boost rental yields, and grow your property portfolio with confidence.

    📞 Free Initial Assessment

    Speak to a buy-to-let specialist and find out how much you can borrow before you start viewing properties.