Buy-to-let Mortgage

A buy to let mortgage is designed for customers who are purchasing or remortgaging a property with the intention of renting it out. These mortgages are typically assessed based on rental income, alongside personal circumstances and lender criteria. Buy to let lending carries different risks and requirements compared to residential mortgages and may not be suitable for everyone.

We provide clear, tailored advice based on your objectives, whether you are a first-time landlord or expanding an existing property portfolio. Recommendations are subject to lender criteria, affordability assessments, rental stress tests, and property valuation. Interest rates, fees, and tax treatment may differ from residential mortgages, and changes in legislation or personal tax circumstances can affect the overall outcome.

Your property may be repossessed if you do not keep up repayments on a buy to let mortgage. We also discuss whether protection and contingency planning may be appropriate to help manage risks associated with rental income and ongoing commitments.

• Step 1: Initial discussion
  We review your objectives, experience as a landlord, and proposed property details.

  Step 2: Rental assessment and affordability
  We assess expected rental income and identify suitable lenders based on stress testing and criteria.

  Step 3: Agreement in Principle (where applicable)
  We arrange an Agreement in Principle to support your offer, subject to lender checks.

  Step 4: Mortgage application
  Once a property is agreed, we submit the application and support you through valuation and underwriting.

  Step 5: Mortgage offer and legal process
  We review the offer with you and liaise with solicitors through to completion.

  Step 6: Ongoing support
  After completion, we remain available to support future remortgage or portfolio planning needs.