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: Helping Buy-to-Let Landlords in Sandhurst

Summary We recently helped landlords in Sandhurst arrange a product transfer on their buy-to-let property as their existing fixed rate with The Mortgage Works was coming to an end. The landlords were considering selling the property within the next couple of years, so they wanted a two-year fixed rate rather than committing to a longer… Read more
Case Study: BTL Mortgage in Kent for First-Time Landlord

Summary We recently helped our customer arrange a buy-to-let mortgage in Kent to purchase a £300,000 house. The case needed some additional research because our customer was a first-time landlord and the property was being bought through a concessionary purchase. We therefore needed a lender whose buy-to-let criteria could accommodate both points while providing the… Read more
Case Study: Buy-to-Let Product Transfer in Farnborough

Summary We recently helped experienced property investors in Farnborough, Hampshire, arrange product transfers on three existing buy-to-let mortgages with BM Solutions. The customers wanted to avoid moving onto variable rates when their existing deals expired, but also preferred not to go through the additional underwriting, legal work and documentation involved in a full remortgage unless… Read more
Buy to Let Mortgages with Serco Tenants

Can you get a buy-to-let mortgage with Serco tenants? (Lender criteria explained) Yes — but only with certain lenders. Letting your property to Serco, housing associations, or charities can affect your mortgage, as these arrangements are different from standard tenancies. Lenders assess these arrangements differently to standard tenancies, often applying stricter criteria. Not all lenders… Read more
Buy to Let Mortgage Lowest Deposit

Buy to Let Mortgages from 15% Deposit If you’re thinking about becoming a landlord or growing your property portfolio, the size of the deposit needed for a buy to let mortgage is likely high on your list of concerns. While many lenders require a substantial deposit, there are still opportunities to access buy to let… Read more
Case Study: Buy-to-Let Remortgage for Capital Raising

Summary We recently helped a portfolio landlord remortgage a two-bedroom buy-to-let flat in London to raise additional funds for home improvements. The property was valued at £650,000 with an existing mortgage of £392,000. The customer wanted to increase the borrowing to £422,500 while keeping monthly payments manageable through an interest-only structure. They also preferred a… Read more
Bridge to Let Loans: Fast Property Financing Solutions

Fast Bridge to Let Loans for Property Investment If you’re a property investor seeking to purchase a property quickly or one in need of refurbishment, a Bridge to Let loan might be the ideal solution. These specialised loans bridge the gap between short-term financing and long-term property investment, providing flexibility and speed when traditional mortgages… Read more
Let to Buy Mortgages Explained

Understanding Let to Buy Mortgages Navigating the property market can be challenging, especially when you’re looking to move but haven’t yet sold your existing home. A Let to Buy mortgage offers a solution, allowing you to rent out your current property and purchase a new one. What is Let to Buy? Let to Buy involves… Read more
Case Study: Buy-to-Let Remortgage to Consolidate Debt

Summary We recently helped a landlord in Chorley remortgage their buy-to-let property to raise funds to repay significant credit card debt. The case was more complex because the customer’s income consisted mainly of maintenance payments and Universal Credit, with no trading income yet from their recently established limited company. We therefore needed to find a… Read more
Case Study: Buy-to-Let Product Transfer for Immediate Stability

Summary We recently helped a landlord in Bristol arrange a product transfer on their buy-to-let property just 10 days before the existing mortgage was due to move onto the lender’s standard variable rate. The customer had an interest-only mortgage with BM Solutions and wanted to secure a fixed rate quickly. Because of the short timeframe… Read more
Buy to Let Mortgage No Early Repayment Charge

Flexible Buy to Let Mortgages with No Early Repayment Charges Investing in property can be a highly lucrative endeavour, especially if you’ve chosen to expand your portfolio through Buy to Let investments. However, one common concern among property investors is the potential cost of early repayment charges (ERCs). If you’re considering flexibility in your mortgage… Read more

Category: Standard Buy To Let Mortgages