Case Study: Buy-to-Let Purchase in Bracknell After Divorce

Introduction We recently helped our customer secure a buy-to-let mortgage to purchase a flat in Bracknell, Berkshire, as part of a financial settlement following a divorce. The purchase was more complicated than a standard property transaction. Our customer was buying the property from his former partner and another family member, using gifted equity towards the… Read more
Case Study: Brighton BTL Product Transfer Before Expiry

Introduction We recently helped a landlord arrange a buy-to-let product transfer on their rental property in Hove, with just two weeks remaining before their existing fixed-rate mortgage was due to expire. Our customer already had their mortgage with Godiva Mortgages and wanted to secure another two-year fixed rate without moving onto the lender’s Standard Variable… Read more
Case Study: Belfast SPV Buy-to-Let with Low Income

Introduction We recently helped our customers secure an SPV Limited Company buy-to-let mortgage to purchase a new-build flat in Belfast, Northern Ireland. Our customers were experienced property investors who wanted to purchase through a Special Purpose Vehicle (SPV) limited company. However, their relatively low personal income, combined with the property’s location in Northern Ireland, restricted… Read more
Case Study: BTL Remortgage in Basingstoke with Adverse Credit

Introduction We recently helped our customer arrange a buy-to-let remortgage in Basingstoke, Hampshire, despite a history of missed payments and an outstanding credit default. Our customer was an experienced landlord and self-employed company director who wanted to release equity from an existing rental property to help fund the purchase of two additional investment properties. The… Read more
Case Study: HMO Remortgage in Wolverhampton with a Serco Tenancy

Introduction We recently helped our customers remortgage two buy-to-let properties in Wolverhampton, West Midlands, which were let under Serco tenancy agreements. Our customers were experienced portfolio landlords whose existing fixed-rate mortgages were coming to an end. However, their existing lender would not offer replacement mortgage products because of the Serco letting arrangements. We arranged two… Read more
Case Study: Holiday Let Mortgage in Harrogate with Limited Experience

Introduction We recently helped our customers arrange a holiday let remortgage in Harrogate, North Yorkshire, releasing additional equity from their existing property to fund home improvements. The main challenge was securing an interest-only holiday let mortgage that could take account of seasonal rental income, while also addressing questions about existing credit commitments and the customers’… Read more
Renters’ Rights Act 2025: What It Means for Buy to Let Landlords

Renters’ Rights Bill: What It Means for Buy to Let Landlords If you own — or are considering investing in — a buy to let property, the Renters’ Rights Act 2025 is something you cannot afford to overlook. Coming into force on 1st May 2026, this legislation represents the biggest overhaul of the private rented… Read more
Case Study: BTL Remortgage from Bridging

Introduction We recently helped our customer refinance a buy-to-let property in Dorset, moving from short-term bridging finance onto a long-term mortgage. The main challenge was that the investment consisted of two separate residential properties held under a single freehold title. The properties were also owned through a limited company, which meant we needed a lender… Read more
Case Study: Helping Buy-to-Let Landlords in Sandhurst

Introduction We recently helped two experienced buy-to-let landlords from Sandhurst secure a new two-year fixed-rate buy-to-let mortgage on their House in Multiple Occupation (HMO) property in Southsea, Hampshire. Their existing mortgage with The Mortgage Works (TMW) was approaching the end of its fixed-rate period. They wanted to avoid moving onto the lender’s higher reversionary rate… Read more
Mortgage For An Inherited Property

Mortgages on Inherited Property: What You Can Do Before and After Probate If you have inherited a property, you might be wondering whether you can get a mortgage on it, and if so, what the best route looks like. You may want to live in the home, buy out a relative, fund renovations, switch to… Read more
Case Study: BTL Mortgage in Kent for First-Time Landlord

Introduction We recently helped our customers arrange a buy-to-let mortgage to purchase a property from a family member in Margate, Kent, at a price below its market value. The main challenge was finding a lender willing to accept a concessionary purchase, where the discount provided by the family member would be used as the entire… Read more
Case Study: Expat Buy-to-Let with a Competitive Fixed Rate

Introduction We recently helped an experienced landlord arrange a buy-to-let remortgage in Midhurst, West Sussex, to release capital towards another property investment. Our customer had a substantial property portfolio and earned income through a combination of UK and US self-employment, overseas business interests and rental properties. The main challenge was finding a lender willing to… Read more

Category: Buy To Let Mortgages