Buy to Let

Being a landlord can generate considerable financial reward. Obtaining the best mortgage on your investment property or portfolio is key to financial success.

Property is an excellent long-term investment, with the potential to offer good income and good growth. 

Becoming a private landlord and having a second property to let could reap considerable financial rewards over time.

Buy to let mortgages (BTL)

We aim to provide you with the most competitive BTL mortgages in the market, whilst helping you choose a product to suit your individual requirements. We are not tied any one lender's products and therefore can offer a comprehensive range of mortgage products from the whole market, ensuring you get a great deal.

Let to buy mortgages (LTB)

If you want to move house but you are struggling to sell your current home or your property has dropped in value, let to buy is something you may want to consider. This is a mortgage where the borrower's current property is let to other tenants and the rental income is used to cover the mortgage repayments on a new main residential property. When Lenders calculate how large a loan the borrower can afford to repay on LTB they do so primarily on the basis of projected rental income, rather than the borrower's income.

Houses in multiple occupation (HMO)

We can help you find the most suitable mortgage options for you, whether you have put an offer in on a single-occupant property or a House in Multiple Occupation (HMO).

HMO properties involve a number of tenants living together while sharing communal facilities and, as several residents are occupying one space, they can prove very profitable to landlords

You may be able to take home a considerable rental income every month from multiple tenants living in just one property, so it's not hard to see why many investors see this as a lucrative option.

We offer a wide range of BTL mortgages, including a good selection of products that will suit HMO investments. We arrange mortgages for every kind of client- from first-time landlords, or with a small portfolio, to more experienced landlords with tens or hundreds of properties on their books.

The Financial Conduct Authority does not regulate some forms of buy to let.

Your home may be repossessed if you do not keep up repayments on your mortgage(s).