Your Trusted Southeast Buy-To-Let Mortgage Experts

Buy to Let Mortgage Broker – Expert Advice for Landlords & Investors

Compare 90+ lenders and secure the right mortgage for your rental property, fast.

Get Your Buy to Let Mortgage Quote Today

Mortgage Brokers Near Me logo
Thank you for Choosing Mortgage Brokers near me. Our team will be in touch with in 24 hours.
Oops! Something went wrong while submitting the form. Please try again.
picture of mortgage broker holding mini home

What Is a Buy to Let Mortgage and How Does It Work?

A buy to let mortgage is designed for properties you plan to rent out rather than live in yourself. Lenders check your personal finances and the potential rental income to ensure the mortgage is affordable, using something called a rental stress test. These mortgages typically require a larger deposit (around 20–25%) and have slightly different criteria than standard residential loans. With the right advice, you can choose a product that fits your goals, keeps costs low, and supports future investments.

Who It's for:

Check Icon
First-Time Landlords – Buying your first rental property and need guidance through the process.
Check Icon
Portfolio Investors – Expanding or refinancing multiple buy to let properties.
Check Icon
Limited Companies (SPVs) – Purchasing rental properties through a company structure.
Check Icon
Homeowners Switching to Buy to Let – Converting an existing residential mortgage into a rental property mortgage.

How Mortgage Brokers Near Me Simplifies

Buy to Let

Getting a buy to let mortgage can feel complex, from understanding rental stress tests to comparing hundreds of lenders. We make the process straightforward by offering personal guidance, access to the whole market, and updates at every stage so you can focus on your investment.

Ready to Apply

Explore

Our Step-by-Step Buy to Let Process

Securing a buy to let mortgage doesn’t need to be complicated. Our process is designed to make things simple, from your first enquiry through to getting the keys. Here’s how we guide landlords and investors every step of the way
01
Apply Online
Tell us about your property plans and landlord goals. It only takes a few minutes to start your application.
02
We Work Our Magic
We review 90+ lenders, including specialist buy to let providers, to shortlist the most suitable deals for you.
03
Submit Your Application
We handWe handle all paperwork, liaise directly with the lender, and keep you updated throughout the process.le all the paperwork and liaise directly with the lender on your behalf.
04
Accept Your Offer
Once approved, we guide you through final steps and ensure everything is in place for a smooth handover.

Why Choose Mortgage brokers near me?

Choosing the right buy to let mortgage broker can make a huge difference to your investment returns. At Mortgage Brokers Near Me, we combine whole‑market access, specialist landlord knowledge and FCA-regulated advice to help property investors at every stage. From first-time landlords to experienced portfolio owners.

FCA regulated and trusted by landlords across the South East
Access to hundreds of buy to let lenders, including specialist and limited company options
Clear, transparent advice with no hidden fees or jargon
Proven results from first-time landlords to multi-property portfolios

Speak to an Adviser Today

Mortgage Brokers Near Me logo
Thank you for Choosing Mortgage Brokers near me. Our team will be in touch with in 24 hours.
Oops! Something went wrong while submitting the form. Please try again.

At Mortgage Brokers Near Me

10+

Years of Expertise

We've helped thousands of buyers navigate the process with confidence and clarity.

90+

Lenders To Compare

We compare deals from across the entire market to find the best fit for you not just one bank.

2700+

First-time buyers supported

From your first enquiry to moving day, we’re with you every step of the way.

5*

Rating on Google

Our clients trust us for honest advice, fast answers, and a stress-free experience.

[Mortgage Tools & Guides]

Mortgage Tools & Guides

Get started online

Explore

Mortgage Brokers Near Me logo with service name 'blog'
Mortgage Brokers Near Me logo with service name 'calculators'
Mortgage Brokers Near Me logo with text 'about'

FAQs

Quick answers to common questions, get started with confidence.
How much deposit do I need for a buy to let mortgage?
Most buy to let mortgages require a deposit of 20–25% of the property’s value, though some lenders may ask for more. The exact amount depends on your credit history, rental income potential, and whether you’re buying through a limited company or personally.
Can first-time buyers get a buy to let mortgage?
Yes, some lenders allow first-time buyers to apply for buy to let mortgages, though the criteria can be stricter. You may need a larger deposit and a strong income to qualify.
What taxes should I consider with buy to let?
Key taxes include Stamp Duty Land Tax (SDLT), which is higher for second properties as well as income tax on rental profits and potential capital gains tax when selling. Specialist advice is recommended to plan ahead.
Are buy to let mortgages usually interest only?
Many landlords choose interest-only buy to let mortgages to keep monthly payments lower and maximise cash flow. However, capital repayment options are available if you want to reduce the loan balance over time.
Do I need a limited company for buy to let?
Not always. Many landlords buy properties in their personal name, but limited company (SPV) structures can offer tax advantages, especially for portfolio landlords. A broker can help you decide which is best for your situation.
Can I remortgage my existing buy to let property?
Yes. Many landlords remortgage to secure a better rate, release equity for another purchase, or switch from personal to limited company ownership. Whole-market brokers can help find the best options.
Chat on WhatsApp logo

Get In Touch We’d love to hear from you!

Contact details

Reach out to us directly via email or phone—we’re here to assist you with any inquiries.

Phone
0203 4884 491

Follow us on social media

Stay connected and see our latest events, updates, and behind-the-scenes moments.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
[Other Services By Mortages Brokers Near Me]

More services

Get your free quote today

Explore

Chat IconX icon to exit
Start a conversation
What channel do you prefer?
Send a message
How can we help?
We usually reply within 24-hours.
Thank you!

Your message has been sent!
Oops! Something went wrong while submitting the form.
Use this window to start new conversations.