Buy To Let

Specialist Buy-to-Let Mortgage Advice to Help You Make the Most of Your Property Investment

Our Services

Buy To Let

Expert Buy to Let Advice

We’ll guide you through the process, helping you understand the different mortgage options and finding one that suits your investment goals.

Tailored Support

Whether you’re new to property investment or expanding your portfolio, we offer clear, personalised support every step of the way.

Access to Competitive Deals

We search a wide range of lenders to find the best buy to let mortgage rates to help you maximise your return.

Your home may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority

Buy To Let

Guidance on Rental Yield & Affordability

Understanding how much rent your property will generate — and how this impacts your borrowing potential — is key to securing the right mortgage. We’ll help you assess rental yield, meet lender affordability requirements, and make sure your investment is financially sound from the start.

Buy To Let

Help with Limited Company Buy to Lets

Purchasing a buy to let property through a limited company can offer tax advantages, but it’s not the right route for everyone. We’ll explain how it works, outline the pros and cons, and help you decide if it suits your investment strategy — then find a lender that supports limited company applications.

Buy To Let

Ongoing Support Beyond Your Mortgage Offer

We don’t just disappear once your mortgage is agreed. From remortgaging when your deal ends, to growing your property portfolio, we’re here to support your long-term goals. You’ll always have a friendly, knowledgeable adviser on hand whenever you need guidance.

5 Star Service

See What Our Clients Say

EXCELLENT
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Based on 115 reviews
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Jenny Rankin
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Tom and Stella provided us with an absolutely fantastic service from start to finish! We couldn't have got through the mortgage and purchasing process without them. They held our hand throughout, going above and beyond. We would definitely recommend them without any hesitation.
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M S
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Excellent service. Tom really did help me out with sorting my mortgage. The house move was not the smoothest but Tom was always on hand which really was appreciated. Would highly recommend. Thank you
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Julie Kendall
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Alan Cooper Estate Agents recommended Tom Garvie to help us mortgage our new home. Right from day 1, I felt that we were in good hands with Tom and Stella. I can remember calling after 6pm one night thinking it would go to messages but no, Tom answered and even though he was on a walk, still took the time to speak with me. The mortgage was sorted so quickly and when the chain broke and the offer expired , within days a new offer was through. Stella emailed often throughout the whole process checking that all was ok. Excellent service. Thank you both.
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Ted Ball
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Massive Thank you to Tom and his Team. Very Professional and knowledgeable. Helped me every step of the way buying my first home. Will definitely be going back when it comes to remortgaging. Highly recommend to anyone !
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Ryan Witts
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I was needing a remortgage as I was coming to the end of my five year fixed mortgage. Warren was incredibly supportive and helpful throughout the entire process, which really took away any stress. I would and have recommended Warren to my family, friends & colleagues. I would highly recommend to anyone.
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Toby Ward
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I highly recommend this company and Thomas Fuller's help in securing a good mortgage for myself, and also helped look at other insurance products for myself. He made the process painless and very quick, which has been much appreciated!
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Sariah Gallacher
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Had a great service with Tom, Stella and team. Very efficient and communicated great through the process. Will definitely be using them again.
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Jack Reed
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Have worked with Tom and Stella for multiple remortgages on our property, and they are professional, personable and excellent with their communication. They are a formidable team and business if you are looking for mortgage services. Wouldn't look anywhere else. Highly recommended.
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Andrea Parker
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A professional and friendly service was received from Tom and Stella. The process was very smooth and pain free and I would have no hesitation in recommending them. Thanks guys!
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Elizabeth Payne
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Absolutely great support. Always at the end of the phone, really friendly team and they acted extremely quickly. Whole process sorted in less than a week without me really needing to do anything! Fully recommend for first time buyers. They made the process so simple.

Buy To Let

Did You Know?

Lenders typically require a minimum 25% deposit for buy to let mortgages — and the more you put down, the better the rates you’ll usually get.
Most buy to let mortgages are interest-only, meaning your monthly payments only cover the interest — keeping costs lower and profits higher (if rental income exceeds your repayments).
If you're planning to rent to students or multiple tenants, you may need a specific HMO (House in Multiple Occupation) mortgage — not all lenders allow this under standard buy to let terms.

Our Most Frequently Asked Questions

FAQ's

Is there a minimum income for a buy to let mortgage?

We have mortgage lenders who are happy to consider applications with no minimum income.

Typically lenders require a 25% deposit, however there are also options available with a 20% deposit.

Yes, subject to affordability you can remortgage your home to release the funds required for your buy to let deposit.

Yes, often landlords choose to take their buy to let mortgages on an interest only basis to keep their monthly outgoings and capital risk at a minimum.

This is dependant on the amount of rental income the property will generate, the higher the rental income, the more banks will be happy to lend.

Most lenders won’t permit this, you would require a specialist mortgage in order to let to family.

Yes you can, we always recommend you speak with a qualified accountant prior to deciding whether you purchase a buy to let property in your personal name or in a limited company.