Godiva Mortgages, a subsidiary of Coventry Building Society, is one of the UK’s leading buy-to-let mortgage providers, offering flexible and competitive mortgage solutions to both individual and portfolio landlords.
Godiva’s products are specifically tailored to meet the needs of professional landlords, whether you’re growing a property portfolio or remortgaging an existing investment.
At Kerr & Watson, we work with Godiva Mortgages along with many other buy to let lenders to ensure that our clients have access to the best possible buy-to-let mortgage solutions that meet their unique requirements.
Why do people consonder Godiva Mortgages?
Specialist Buy-to-Let Expertise
Godiva Mortgages offers a range of flexible products for landlords. Whether you’re a new or experienced landlord, Godiva’s products are designed to offer maximum flexibility and competitive rates.
Flexible Lending Criteria
Godiva Mortgages is known for their flexible approach to lending, with no minimum income requirements and high Loan-to-Value (LTV) ratios of up to 75% (depending on the product). They also support loans of up to £1 million, ensuring that even larger property investments are well-supported.
Support for Portfolio Landlords
If you manage multiple properties, Godiva Mortgages provides dedicated solutions with a straightforward Interest Coverage Ratio (ICR) and no need for unnecessary documentation such as business plans. Their dedicated underwriting team ensures that portfolio cases are handled efficiently.
Switching Your Rate with Godiva Mortgages
If your current Godiva mortgage product is nearing the end of its term, switching your rate can be an easy and cost-effective process. Godiva allows existing customers to switch to a new product through a seamless online process, with no application fees or valuation fees. This makes it simple for landlords to manage their mortgages while benefiting from the latest competitive rates.
Easy, streamlined processes for portfolio landlords, with experienced underwriters to ensure smooth applications.
Why Contact Kerr & Watson?
Navigating the buy-to-let mortgage market can be complex, particularly if you’re managing multiple properties or operating through a limited company.
At Kerr & Watson, we work closely with Godiva Mortgages to provide expert advice and help you secure the best mortgage products available for your unique needs.
Get in Touch
Don’t miss out on the opportunity to benefit from Godiva Mortgages’ competitive and flexible buy-to-let mortgage products.
Contact Kerr & Watson today to speak with one of our advisers and explore how we can help you achieve your property investment goals.
The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.
If you are seeking advice about a mortgage, you should speak with a qualified advisor.
Your Mortgage In 3 Easy Steps…
Conversation
Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.
We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.
If you would like an agreement in principle, we’ll also arrange this for you.
Application
We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.
We will also communicate with you at every stage, from application to completion.
Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.
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Michelle
8 June 2026
My 2nd time dealing with Kerr & Watson and they didn't disappoint, great service, professional and patient - big shout out to Andreea & Stephen
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Sean Turner
2 June 2026
I had an excellent experience with Kerr and Watson and would happily recommend them.
A special mention has to go to James, who provided exceptional service throughout. He was professional, approachable, clear in his communication and always willing to help. His support made a huge difference, and we genuinely couldn’t have done it without him.
I would not hesitate in recommending K&W to any family or friends.
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Jackie
15 May 2026
Brad was quick with getting me the right mortgage insurance prior to a move abroad. Polite and professional. Also liked that he would call to remind me take any actions if I hadn't responded to emails
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Ade Kunle
1 May 2026
I will always recommend Kerr & Watson to friend and family.
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Minzel 33
23 April 2026
This is my second product with Matthew, securing a BTL for my LTD with the best rate on the market. Once again great support, guidance and smooth process. Highly recommended, knowledgeable team. Reliable service.
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Freya B
14 April 2026
The team at Kerr & Watson were brilliant end to end. Daniel explained everything clearly, was always available to answer questions and helped us secure a great mortgage rate. The mortgage broking service they offer is worth every penny and I'd not hesitate to use them again. Thank you!
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Dean Langton
7 April 2026
Excellent service and very nice people.
Would highly recommend using them.
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Sat Jakhu
2 April 2026
Great service , efficient and proactive to ensure solutions were right for each property. Always prompt with information and any communication required. Definitely recommended as an organisation who can provide tailored solutions for individual needs.
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Frequently Asked Questions About Godiva Mortgages
▸ ▾Is Godiva Mortgages a good buy-to-let lender?
Godiva Mortgages can be a good buy-to-let lender for the right landlord, particularly where the property, rental income and overall application fit their criteria.
That does not mean Godiva will be the best option for every landlord. The right lender depends on your deposit, rental income, property type, landlord experience, portfolio size and wider financial position. Kerr & Watson can compare Godiva with other buy-to-let lenders and explain which route is most suitable.
▸ ▾Do I need a mortgage broker to apply to Godiva Mortgages?
Many Godiva Mortgages products are accessed through mortgage brokers and intermediaries, especially where the application is being submitted as part of a buy-to-let case.
Using a broker can help because buy-to-let lending is often criteria-led. Kerr & Watson can check whether your case fits Godiva’s requirements, review the rental calculation and compare other lenders before an application is submitted.
▸ ▾Can Kerr & Watson help me apply to Godiva Mortgages?
Yes, Kerr & Watson can help with Godiva Mortgages buy-to-let applications. We can review your property, rental income, deposit, landlord experience, portfolio position and mortgage goals before deciding whether Godiva is the right lender to approach.
If Godiva is suitable, we can help prepare and submit the application. If another buy-to-let lender is a better fit, we will explain why and guide you through your options.
Yes, Godiva Mortgages is commonly associated with buy-to-let mortgage lending. This may include landlords buying a rental property, remortgaging an existing buy-to-let or reviewing options for an existing property investment.
Buy-to-let mortgages are assessed differently from residential mortgages. The lender will usually consider the rental income, property value, deposit, loan amount, landlord experience and overall strength of the case.
▸ ▾Can first-time landlords use Godiva Mortgages?
Godiva Mortgages may be suitable for some first-time landlords, depending on the property, deposit, rental income and the lender’s criteria at the time of application.
First-time landlord cases can need extra care because lenders may look closely at your income, residential property position, expected rent and overall financial background. Kerr & Watson can check whether Godiva is suitable or whether another buy-to-let lender may be a better option.
▸ ▾Can portfolio landlords use Godiva Mortgages?
Godiva Mortgages may be an option for portfolio landlords, depending on the size and strength of the portfolio, rental income and wider borrowing position.
Portfolio landlord applications often need careful preparation because lenders may review both the new property and the wider background portfolio. Kerr & Watson can help organise the information needed and compare Godiva with other portfolio landlord lenders.
▸ ▾How much can I borrow with Godiva Mortgages?
How much you can borrow with Godiva Mortgages will usually depend on the property value, rental income, deposit, loan-to-value, interest coverage calculation and your wider circumstances.
Buy-to-let borrowing is often driven by the rent the property can achieve, rather than personal income alone. Kerr & Watson can check the rental calculation and compare Godiva with other buy-to-let lenders to see what may be possible.
▸ ▾What deposit do I need for a Godiva buy-to-let mortgage?
The deposit needed for a Godiva buy-to-let mortgage depends on the product, property type, rental income and your overall circumstances. Buy-to-let mortgages usually require a larger deposit than standard residential mortgages.
Before applying, it is important to check whether your deposit and rental income meet the lender’s requirements. If Godiva is not the most suitable option, another buy-to-let lender may be a better fit.
▸ ▾Can I remortgage to Godiva Mortgages?
Yes, Godiva Mortgages may be an option if you want to remortgage a buy-to-let property. This could be to secure a new rate, raise capital, move from another lender or review your options before your current deal ends.
Before remortgaging, it is worth considering the interest rate, product fees, rental stress testing, property value, early repayment charges and your longer-term plans. Kerr & Watson can compare Godiva with other buy-to-let lenders and recommend the most suitable route.
▸ ▾Is Godiva Mortgages the best buy-to-let lender for me?
Godiva Mortgages may be suitable for some landlords, but it will not be the best lender for every buy-to-let case. The right lender depends on your property, rental income, deposit, portfolio size, ownership structure, tax position and investment plans.
Kerr & Watson can compare Godiva with other buy-to-let mortgage lenders and explain which option is most suitable. This can help you avoid applying to the wrong lender and give you a clearer route forward.
Common Mortgage Lender Questions
▸ ▾How do I know which mortgage lender is right for me?
The right mortgage lender will depend on your income, deposit, credit history, property type, borrowing amount and long-term plans. Some lenders are better suited to straightforward residential mortgages, while others specialise in buy-to-let, complex income, adverse credit, commercial property or larger loans. A mortgage adviser can compare lenders and help identify which option may be most suitable for your circumstances.
▸ ▾Do all mortgage lenders use the same criteria?
No. Every mortgage lender has its own lending criteria, affordability model, credit scoring system, property requirements and risk appetite. This means one lender may decline an application that another lender is comfortable considering. Lender selection is an important part of the mortgage process.
▸ ▾Why use a mortgage broker instead of applying directly to a lender?
A mortgage broker can help compare lenders, check criteria before you apply and explain which options may be suitable for your circumstances. This can be especially useful if you are self-employed, have complex income, need a buy-to-let mortgage, have previous credit issues or are unsure which lender is likely to accept your application.
▸ ▾Can a whole-of-market mortgage broker access more lenders?
A whole-of-market mortgage broker can review a wide range of lenders and products, including high street banks, building societies, specialist lenders and intermediary-only lenders. This can give you a broader view of your options than approaching one lender directly.
▸ ▾What is an intermediary-only mortgage lender?
An intermediary-only lender is a lender that usually accepts applications through mortgage brokers rather than directly from customers. These lenders may offer products or criteria that are not available by applying directly online or through a branch. A mortgage broker can check whether an intermediary-only lender may be suitable for your case.
▸ ▾Does the lowest mortgage rate always mean the best lender?
Not always. The lowest rate may look attractive, but it is not automatically the best option. You also need to consider lender fees, affordability, criteria, product terms, early repayment charges, valuation requirements, service levels and whether the lender is likely to approve your application.
Yes. Mortgage lenders use different affordability calculators and assumptions. They may treat income, bonuses, commission, overtime, self-employed income, pension income, benefits, debts and childcare costs differently. This means the amount you can borrow may vary significantly from one lender to another.
▸ ▾Can a mortgage lender decline me even if I can afford the mortgage?
Yes. Mortgage lenders do not assess affordability alone. They may also review your credit history, employment type, income structure, deposit source, property type, loan-to-value, age, commitments and overall risk profile. Even if the monthly payment seems affordable, a lender may still decline the case if it does not meet their criteria.
▸ ▾If one lender declines me, can another lender still approve me?
Yes. A decline from one lender does not necessarily mean you cannot get a mortgage. Lenders assess applications differently, so another lender may take a more suitable view of your income, credit history, property or deposit. It is important to understand why the application was declined before approaching another lender.
▸ ▾Do lenders treat self-employed income differently?
Yes. Some lenders use the latest year’s income, while others average the last two years or assess salary and dividends for limited company directors. Some lenders may also consider retained profit, contractor income or more complex trading structures. Choosing the right lender can make a significant difference for self-employed applicants.
▸ ▾Do mortgage lenders accept bad credit?
Some lenders may consider applicants with bad credit, depending on the type, age and severity of the credit issue. Missed payments, defaults, CCJs, debt management plans, IVAs and previous arrears are all assessed differently by different lenders. A specialist lender may be more suitable if you have historic credit problems.
▸ ▾Can Kerr & Watson help me choose between mortgage lenders?
Yes. Kerr & Watson can review your circumstances, compare suitable lenders and explain which options may be available. We can help with residential mortgages, buy-to-let mortgages, specialist lending, complex income, adverse credit, bridging, commercial finance and later life lending, depending on your needs.
