Mortgage advice for landlords and property investors.

Who I work with

• First-time landlords buying their first rental property
• Existing landlords adding to or reviewing a portfolio
• Landlords considering buying through a limited company
• Landlords coming to the end of a buy-to-let deal
• Owners of houses in multiple occupation (HMOs) and multi-unit properties

What to think about

Rental income and affordability

Buy-to-let lenders usually look closely at the expected rental income compared with the mortgage payments, as well as your wider financial position. The requirements vary between lenders.

How you own the property

Some landlords buy in their own name and others through a limited company. The right choice depends on your circumstances, and you should speak to a tax adviser or accountant about the tax position. I can talk you through how it affects your mortgage options.

Fixed or variable

A fixed rate gives certainty for a set period, while other products can move up or down. Each has advantages and disadvantages, and early repayment charges may apply if you leave a deal early.

Growing a portfolio

As a portfolio grows, lenders may look at your whole portfolio rather than one property at a time. It helps to plan your borrowing with that in mind.

Common questions

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

Many lenders will consider first-time landlords, though some have extra requirements. It is worth talking through your circumstances before you start looking.

When should I look at my buy-to-let deal ending?

It is worth reviewing your options well before your current deal ends. Many lenders let you arrange a new deal in advance, but terms vary and early repayment charges may apply, so check the detail first.

Do you advise on tax?

No. I can explain how ownership structure affects your mortgage options, but for tax advice you should speak to a qualified tax adviser or accountant.