Renters’ Rights Act 2026: 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 2026 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: Expat Buy-to-Let with a Competitive Fixed Rate

Summary We recently helped an expat client living in New York arrange a new mortgage on a buy-to-let property in London as their existing deal was approaching the end of its fixed-rate period. The property was valued at £430,000 and generated £2,182 per month in rental income, but the existing lender could not offer a… 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 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 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
Pros & Cons of Buy-to-Let via a Limited Company

Buying a Buy-to-Let Property Through a Limited Company: Pros, Cons, Tax Savings & Mortgage Insights Pros of Buying a Buy-to-Let Property Through a Limited Company More Tax Efficiency For Some Investors One of the main attractions of using a limited company is the potential tax benefits. Rental income received by individuals is subject to income… 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
SPV Mortgages for Landlords

Can you get an SPV mortgage? Yes — you can get a mortgage through a limited company set up specifically for property investment, known as a Special Purpose Vehicle (SPV). SPV mortgages are commonly used by landlords who want to buy and hold buy-to-let properties in a company structure rather than in their personal name.… Read more
Freehold vs Leasehold: How It Affects Your Mortgage

Freehold vs Leasehold: Key Differences and What They Mean for You When buying a property, understanding whether it is freehold or leasehold is essential. This affects your ownership rights, ongoing costs, and even your mortgage options. What is the difference between freehold and leasehold? The key difference comes down to ownership. This difference affects everything… Read more
Buy to Let Mortgage Based on Rental Income

Can you get a buy-to-let mortgage based on rental income? Yes — most buy-to-let mortgages are primarily based on the rental income a property generates rather than your personal salary. This is often referred to as a rental income-based buy-to-let mortgage. Lenders apply strict calculations to ensure the rent comfortably covers the mortgage, which means… Read more

Tag: Buy To Let