Does this sound like your situation?
First-time landlords
Buying your first investment property and not sure where to start. I'll explain how buy-to-let lending works and find the right product for your situation.
Growing portfolio landlords
Already own one or more properties and looking to expand. I'll help you structure your portfolio financing efficiently.
Limited company landlords
Purchasing through a limited company for tax efficiency. I have access to specialist lenders who cater specifically for this.
HMO investors
Buying a house in multiple occupation. These require specialist lenders and I have strong relationships in this area.
Holiday let investors
Letting through Airbnb or similar platforms. Holiday let mortgages are assessed differently and I know which lenders work best for this.
Accidental landlords
You've inherited a property or moved in with a partner and want to let your existing home. I'll find the right product for your circumstances.
Challenges I help people overcome
The challenge
I don't know if the rental income will be enough to satisfy the lender's affordability criteria.
How I help
I'll run the rental coverage calculation upfront so you know exactly what rental income you need before you make an offer. No nasty surprises.
The challenge
I'm not sure whether to buy personally or through a limited company.
How I help
I'll explain the mortgage implications of both approaches clearly. For the tax side, I'd recommend speaking to an accountant — but I'll make sure you understand the mortgage picture.
The challenge
I've been told HMO mortgages are difficult to get.
How I help
They require specialist lenders, but I have access to the right ones. I'll find the best available product for your specific HMO situation.
The challenge
I'm a portfolio landlord and lenders keep declining me.
How I help
Portfolio landlord assessments are more complex — lenders look at your entire portfolio. I know which lenders take the most pragmatic approach and will present your case in the best possible light.
How I help you get the right outcome
I assess your full situation — property type, rental income, personal income, and portfolio structure — before recommending anything.
I search specialist buy-to-let lenders not available on comparison sites or direct from high street banks.
I run the rental coverage calculations upfront so you know what's achievable before making an offer.
I advise on the most efficient way to structure your portfolio financing as it grows.
I handle all the paperwork, valuations, and communication with lenders throughout.
I'm honest about what's achievable — including when a deal doesn't stack up.
What to expect when you work with me
Investment review
We discuss the property, your investment goals, rental income projections, and your overall portfolio position.
Lender search
I search specialist buy-to-let lenders to find the best rate and terms for your specific property and circumstances.
Stress test & recommendation
I run the rental coverage calculations and present your options clearly, including the impact on your overall portfolio.
Application to completion
I manage the application, valuation, and completion process — keeping you updated throughout.
How buy-to-let mortgages work
Buy-to-let mortgages are specifically designed for properties you intend to rent out rather than live in. They work differently from residential mortgages in several important ways.
Affordability is primarily based on the expected rental income rather than your personal income. Lenders typically require the rent to cover 125–145% of the mortgage payment at a stressed interest rate — this is known as the rental coverage ratio.
Most buy-to-let mortgages are interest-only, meaning you only pay the interest each month and repay the capital at the end of the term (usually by selling the property or remortgaging). This keeps monthly payments lower and maximises cash flow.
Rates and fees are typically higher than residential mortgages, and you'll usually need a minimum 25% deposit — though some specialist lenders will consider 20%.
Types of buy-to-let mortgage
Standard buy-to-let
For single residential properties let to private tenants on assured shorthold tenancies. The most straightforward product and widely available.
HMO mortgages
For houses in multiple occupation — properties let to three or more unrelated tenants. These require specialist lenders and often carry different licensing requirements. I have strong relationships with the right lenders in this space.
Limited company buy-to-let
Many landlords now purchase through a limited company (SPV) for tax efficiency. The mortgage market for limited company buy-to-let has grown significantly and I have access to lenders who specialise in this area.
Holiday let mortgages
For properties let on a short-term basis through platforms like Airbnb or Sykes. These are assessed differently from standard buy-to-let and require specific products from specialist lenders.
Portfolio landlord mortgages
If you own four or more mortgaged buy-to-let properties, you're classified as a portfolio landlord. Lenders assess your entire portfolio, which requires a more detailed approach. I can help you navigate this.
Limited company buy-to-let: is it right for you?
Since changes to mortgage interest tax relief, many landlords have moved to purchasing through a limited company (typically a Special Purpose Vehicle, or SPV). This can offer significant tax advantages, but it's not right for everyone.
From a mortgage perspective, limited company buy-to-let products are now widely available, though rates are typically slightly higher than personal name mortgages. The key considerations are:
- You'll need to set up a limited company (usually an SPV) before applying
- Lenders will assess both the company's finances and your personal financial position
- Some lenders require a personal guarantee from the directors
- You may need separate legal advice on the company structure
I'd always recommend speaking to a tax adviser before deciding on your structure — but I'll make sure you understand the mortgage implications of both approaches.
Get personalised advice
Tell me about your situation and I'll help you understand your options.