Buy to Let

Call our team on: 01332 300 300

Unleash your rental potential

If you are looking to rent out your house or buy a rental property you will need a buy to let mortgage. Or maybe you are an existing landlord looking for a better deal?

We are whole of market advisers which means we can compare all the deals out there to get you the very best buy to let mortgage.

Whether this is your only rental or part of an extensive portfolio we can make sure your investment is working to its full potential.

Please note: A buy to let mortgage will be secured against your property. Some types of Buy to let Mortgages are not regulated by the Financial Conduct Authority.

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We can find the right deal for you.

We can provide buy to let mortgages for a variety of circumstances, please get in touch to find out more.

Employed or self-employed

We understand that employed and self-employed borrowers have unique financial circumstances, and we have the expertise to find the best buy-to-let mortgage options to suit your specific needs. With our extensive network of lenders and our commitment to personalised service, we can help you unlock the potential of the buy-to-let market and make your investment goals a reality.

No minimum income requirement

We are proud to offer buy-to-let mortgages with no minimum income requirement. Whether you’re employed, self-employed, or have a fluctuating income, we understand that traditional income assessments can be limiting for aspiring property investors. Our flexible approach allows you to pursue your buy-to-let ambitions without the constraints of income thresholds. We believe in assessing your overall financial situation and the potential of your investment, empowering you to enter the lucrative world of buy-to-let.

85% loan to value available

We offer buy-to-let mortgages with an impressive 85% loan-to-value (LTV) ratio. Whether you’re a seasoned investor or taking your first steps into property investment, our generous LTV ratio allows you to maximise your borrowing power and secure the properties you desire with a smaller deposit. With our flexible financing options, you can leverage your capital more effectively, expand your portfolio, and optimise your returns.

Interest only

Tailored buy-to-let mortgages with interest-only repayment options, designed to enhance your investment strategy. With an interest-only mortgage, you have the flexibility to pay only the interest on your loan, allowing you to allocate your funds elsewhere or enhance your cash flow. This approach can be particularly advantageous for those seeking to optimise their rental income and capitalise on the potential growth of their properties.

Second Charge secured loans available on buy to let properties

Second charge secured loans specifically designed for buy-to-let properties. Whether you’re looking to raise additional funds for property improvements, debt consolidation, or other personal or business needs, our second charge loans provide a flexible and efficient financing solution. By leveraging the equity in your existing buy-to-let property, you can access the capital you require without disrupting your current mortgage arrangement.

First Time Landlord

Helping you become a successful first-time landlord. We understand that taking the leap into the buy-to-let market can be both exciting and overwhelming. That’s why we are here to provide tailored buy-to-let mortgage solutions specifically designed for first-time landlords like you. Our expert team will guide you through the entire process, from understanding the market dynamics to finding the most suitable mortgage options that align with your goals and financial circumstances.

Capital Raising

If you’re looking to raise capital for your buy-to-let ventures, you’ve come to the right place. Our dedicated team understands the importance of having access to additional funds to expand your property portfolio, undertake renovations, or seize new investment opportunities. We offer a range of buy-to-let mortgage solutions tailored specifically for capital raising purposes.

Property not habitable

We understand that finding potential in properties that require refurbishment or renovation can be both challenging and rewarding. That’s why we are here to offer tailored buy-to-let mortgage solutions specifically designed for non-habitable properties. Let us assist you in realising the potential of these properties and turning them into profitable buy-to-let investments.

To speak to a member of our team call 01332 300 300

Book an appointment

Working with thousands of lenders to find the right fit…

It starts right here...

We love to hear from you, give us a call, or fill in our contact form so we can see where you’re at. The more details the better!

One of our advisers will then find out about what you’re looking to do, discuss your options and answer any questions you may have.

Your adviser will search through thousands of lenders.

Your adviser will find the best option for you and help you arrange things.

The guidance to buy to let.

Need more help? →

What is the minimum deposit required for a buy to let mortgage?

You will need in the region of 25% deposit for most Buy to Let lenders.

What are the criteria and eligibility requirements?

This varies from lender to lender – let us help you find one that suits you.

Interest rates and repayment options?

Interest rates & repayment options available to you are impacted by what is happening in the economy and your circumstances – we would be able to advise further.

Honest opinions from people like you

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.

Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.

If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

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