Mortgage advice
Buy-to-let mortgages for limited companies and portfolio landlords.
Whether you’re buying your next investment property or refinancing an existing portfolio, we assess your borrowing needs, recommend suitable mortgages and manage the applications.
Our mortgage advice fee is £695, payable on completion. We also receive a procuration fee from the lender, which will be disclosed to you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate all Buy to Let mortgages.
How we help
- Limited company mortgages. Advice and arrangement for property purchases and remortgages through your company.
- A view across your portfolio. We consider existing borrowing, upcoming deal endings and future purchase plans together.
- Suitable lender options. We identify lenders whose criteria fit your circumstances, ownership structure and properties.
- Clear comparisons. We explain rates, fees and the overall cost of the available options.
- Applications managed for you. We liaise with lenders and solicitors and keep you informed throughout.
Planning your next purchase or refinance
We look at the proposed borrowing in the context of your existing properties and longer-term plans. For limited companies, we consider the ownership structure and lender requirements alongside the property and rental income.
Advice for individual landlords, too
If you own personally or are buying your first rental property, we can assess suitable mortgage options and manage your application.
Your questions, answered
Should I buy personally or through a limited company?
That depends on your circumstances and plans. We explain the mortgage options and lending implications of each structure. Your accountant should advise on tax and the suitability of a company structure; it is not automatically the better choice.
Can you help refinance several properties?
Yes. We review your existing borrowing and deal end dates alongside your plans, then recommend suitable options. Each property and application remains subject to lender criteria.
What information will you need about my portfolio?
We usually start with property values, rental income, outstanding borrowing and mortgage deal end dates, alongside ownership and company details. We explain any further information the proposed lenders require.
Do you also help landlords buying in their own name?
Yes. We advise on and arrange suitable buy-to-let mortgages for individual landlords as well as limited companies.
Mortgages are subject to lender criteria and affordability checks. We explain the relevant fees and charges before you decide.
Let’s discuss your mortgage.
Tell us about your plans and existing borrowing. We recommend suitable mortgages and manage the application.