Residential Mortgages & Buy-to-Let

There’s no one-size-fits-all mortgages. Get the right loan for you

Mortgages come with many variables, whether you’re remortgaging, buying, managing complex income, seeking a large loan, or purchasing an unusual property. But with the right lender, there’s a solution for every need.

Our expert brokers take the time to fully understand your situation and sift through thousands of mortgage options to secure the best loan for you.

With established lender relationships, we can offer exclusive products, lower rates, longer terms, or higher loan amounts tailored to your needs.

Looking to finance a complex buy-to-let portfolio? Our years of experience can help professional landlords secure the right funding for large portfolios.

Expert help with mortgages & buy-to-let

We take time to understand your needs

Access exclusive, restricted products

Support for complex buy-to-let portfolios

FAQs on buy-to-let and residential mortgage options

Whether you’re purchasing your first home or building a portfolio, understanding your mortgage options is key. Our FAQs provide clarity on residential and buy-to-let financing to help you take the next step.

What is the difference between a residential mortgage and a buy-to-let mortgage?

A residential mortgage is for properties you live in, while a buy-to-let mortgage is for investment properties that you rent out.

What deposit is required for a buy-to-let mortgage?

Most lenders require a deposit of 20-40% for buy-to-let mortgages, depending on the property and lender.

Can I rent out my home if I have a residential mortgage?

You must inform your lender and may need to switch to a buy-to-let mortgage or obtain a “consent to let” agreement.

How is affordability assessed for buy-to-let mortgages?

Affordability is usually based on expected rental income rather than your personal income. Most lenders require rental income to cover at least 125-145% of the mortgage payments.

Are there tax changes affecting buy-to-let investors?

Yes, recent changes include limits on mortgage interest relief and higher stamp duty for additional properties. Consult a tax advisor for specifics.

Can I get a mortgage for a property in poor condition?

Traditional mortgages may not apply, but you can explore bridging loans or refurbishment mortgages for properties requiring significant work.

What happens if I can’t make mortgage payments?

Contact your lender immediately to discuss options. Some lenders offer payment holidays or restructuring.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Some types of buy to let mortgages are not regulated by the FCA.

Services

Explore our property finance solutions & let us tailor the right one for you

Short Term & Bridging Finanace

Short Term & Bridging Finance

Short term finance is used for a myriad of different reasons. We’ll work closely with you to structure a loan that’s right for you.

Commercial Property Finance

Commercial
Property Finance

Whether you’re an experienced property landlord or you wish to own your business premises our expert team can help.

Property Development Finance

Property Development
Finance

No matter if your project is for an individual new build property or a development of hundreds of units, we can structure finance for you.

Residential Mortgages & Buy-to-Let

Residential Mortgages &
Buy-to-Let

Whether you’re buying your first home or refinancing your buy-to-let portfolio, our expert brokers are ready to secure the ideal property finance solution for you.

Find the perfect mortgage for you

Looking for the best mortgage or buy-to-let deal? Our experts take the time to understand your needs and source the most competitive terms, whether you’re a first-time buyer or a seasoned investor. Get in touch with our team now.

Residential Mortgages & Buy-to-Let
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