Buy-to-Let Mortgages

Clear, impartial advice to help you secure the right buy-to-let mortgage for your property and plans.

Looking to invest in property? We’ll guide you through the process

Whether you’re purchasing your first rental property, expanding your portfolio, or remortgaging an existing investment, we provide tailored buy-to-let advice to suit your goals and long-term plans.

The Financial Conduct Authority does not regulate Commercial lending or finance.

Unbiased and Unrestricted Buy-to-Let Mortgage Advice

If you’re unsure of anything or just need some help please get in touch or fill in the form below and we’ll get in touch with you.

Buy-to-Let Mortgage Advice in Norwich & Norfolk

Buy-to-let mortgages are assessed differently to residential mortgages. Lenders focus heavily on rental income, stress testing, property type and landlord experience. We help you understand these criteria before you apply, ensuring your case is structured correctly from the outset.

As experienced mortgage advisors serving Norwich and the wider Norfolk area, we work with first-time landlords, portfolio investors and limited company structures. Whether you’re purchasing a single rental property or expanding an existing portfolio, we provide clear, practical advice aligned to your investment strategy.

Key Buy-to-Let Considerations

Rental Stress Testing

Lenders assess whether the expected rental income sufficiently covers the mortgage payment, often applying a stress rate higher than the product rate.

Limited Company vs Personal Name

Some landlords purchase through a limited company for tax efficiency. We can help you understand the implications and lender options available.

Deposit Requirements

Buy-to-let mortgages typically require larger deposits than residential mortgages, often starting from 20–25%.

Portfolio Landlord Rules

If you own multiple rental properties, lenders may require additional financial information and portfolio analysis.

Our Mortgage Advice Process

1.

Initial Consultation

We take time to understand your goals, affordability, and long-term plans.

2.

Research & Recommendation

We search thousands of mortgage products to identify suitable options.

3.

Application & Case Management

We handle the paperwork and liaise with lenders, solicitors and estate agents.

4.

Completion & Ongoing Support

We remain available for future reviews and rate changes.

Buy-to-Let Mortgage FAQ's

How much deposit do I need for a buy-to-let mortgage?

Buy-to-let mortgages typically require a larger deposit than residential mortgages. Most lenders require at least 25% of the property value, although this can vary depending on the lender, property type, and your experience as a landlord.

How is rental income assessed?

Lenders assess whether the expected rental income sufficiently covers the mortgage payments. This is usually done through a rental “stress test,” where the rent must cover a percentage of the mortgage payment calculated at a higher interest rate than the product rate. Each lender has its own criteria, and we help ensure your case meets the appropriate requirements before applying.

Can I get a buy-to-let mortgage as a first-time landlord?

Yes, many lenders accept first-time landlords. However, criteria may differ compared to experienced landlords, and some lenders may apply stricter affordability or rental coverage requirements. We’ll identify lenders suited to your situation and guide you through the process.

Can I purchase through a limited company?

Yes. Many landlords now purchase through a limited company or Special Purpose Vehicle (SPV). Lender options, rates, and underwriting can differ from personal applications. If you’re considering this structure, we can explain how it works and help you understand the available mortgage options. You should also seek independent tax advice before proceeding.

What is a portfolio landlord?

A portfolio landlord is typically defined as someone who owns four or more mortgaged rental properties. Lenders often require additional information, including details of your existing properties, rental income, and overall portfolio performance. We help prepare and present this information clearly to lenders.

Are buy-to-let interest rates higher?

Buy-to-let mortgage rates are generally higher than residential rates because they are considered a higher lending risk. The rate available to you will depend on factors such as deposit size, rental income, credit profile, property type, and whether you are applying personally or via a limited company.

Can I remortgage a buy-to-let property?

Yes. You can remortgage to secure a new rate, raise capital (subject to lender criteria), or restructure your borrowing. Remortgaging can also allow you to switch to a different lender if your current deal is ending. We’ll review the market and recommend suitable options based on your goals.

Mortgage Calculator

These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made

Mortgage details

Property price (£)

Deposit (£)

Interest rate (APR %)

Term (years)

Repayment type

Monthly overpayment (£)

Show amortisation schedule (first 12 months)

Interest vs capital

Balance over time

Clear, impartial advice across mortgages, property finance, and protection, tailored to you.

Residential Mortgages

Expert advice on finding the right mortgage for your home