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

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
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
Case Study: Buy-to-Let Product Transfer in Farnborough

Introduction We helped our customers arrange three buy-to-let mortgage product transfers in Farnborough, Hampshire, as their existing fixed-rate deals approached expiry. Our customers wanted to secure new five-year fixed rates across their investment properties without incurring unnecessary costs or moving onto their lender’s Standard Variable Rate (SVR). After comparing remortgage options across the market with… 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

Introduction We recently helped our customer, an existing landlord in their 40s, arrange a buy-to-let remortgage on a two-bedroom property in Chorley, Lancashire. Our customer wanted to raise additional funds against the property to repay outstanding credit card debts and cover an early repayment charge on their existing mortgage. However, they had no traditional employment… 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 Before SVR

Introduction We recently helped our customer, a retired landlord in their 70s, secure a new two-year fixed-rate buy-to-let mortgage on a leasehold flat in Bristol. Their existing mortgage deal was due to expire in just 10 days, leaving very little time to arrange a replacement. Without a new deal in place, the mortgage would have… 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