A buy-to-let that stacks up, from the start.
Your first rental property or the next one for the portfolio — independent advice on lending that's assessed on the rent, not just your salary.
Lending that runs on rent, not just salary.
A buy-to-let mortgage is designed for buying property to rent out — an investment in your financial future. And it works differently from the mortgage on your own home.
The borrowing limit isn't based solely on your income. Instead, the lender's decision centres on the rental income the property might generate — which changes what you can borrow, and which lenders will say yes. Rates are specific to buy-to-let too, so the market you're comparing is a different one.
That's where independent advice earns its keep. We search the whole market for the buy-to-let rates and criteria that fit your plans, assess the affordability properly before you commit, and talk you through the decisions that shape the investment — repayment or interest-only among them.
Then we handle the application and the lender, from first figures to formal offer — the same way we've been doing for Lancaster and Morecambe clients since 2007.
Your first conversation is free, and there's no obligation. See how it works
Repayment or interest-only? Both have a case.
Most landlords weigh this one up. The right answer depends on what the property is for — monthly income now, or an asset owned outright later.
| Repayment | Interest-only | |
|---|---|---|
| Monthly payment | Higher — capital and interest together | Lower — the interest alone |
| At the end of the term | The mortgage is fully paid off and the property is owned outright | The original loan is still owed in full — usually repaid by selling or refinancing |
| What's left of the rent | More of the rent goes towards the payment each month | More of the rent is left over each month |
| Usually suits | Landlords who want the debt gone by the end of the term | Landlords prioritising monthly cash flow, with a clear plan for repaying the loan |
How it goes from here.
A free first chat
The property you have in mind, the rent it might achieve, and what you want the investment to do for you.
We search the whole market
Buy-to-let rates and criteria compared across lenders, with affordability assessed on the rental figures before you commit.
A clear recommendation
One plain-English recommendation — including repayment versus interest-only. Say yes, and we handle the application through to offer.
The things landlords ask us.
How is a buy-to-let mortgage different from a residential one?
The biggest difference is how the lender decides what you can borrow. Rather than resting solely on your own income, the assessment centres on the rental income the property might generate. Rates and criteria are specific to buy-to-let too, which is why comparing the market matters.
How much can I borrow for a buy-to-let?
It depends mainly on the rent the property is likely to achieve, alongside your wider circumstances. We'll assess affordability properly before you commit to anything, so you know the numbers stack up.
Do I need a bigger deposit than for a residential mortgage?
Deposits on buy-to-let mortgages do tend to be larger than on residential ones, and the deposit you put down affects the rates available to you. We'll show you where the thresholds fall for the property you have in mind.
Should I choose repayment or interest-only?
Both are common for buy-to-let, and neither is automatically right. Repayment clears the debt by the end of the term; interest-only keeps monthly costs down but leaves the loan to repay later. We'll compare both against your plans for the property.
What do you charge for buy-to-let advice?
There are no upfront fees, and the first conversation is free. We explain our charges before any work starts, and any fee is typically only payable once your mortgage offer is issued.
What will I need to apply?
Generally proof of income, bank statements, photo ID and details of any debts or other financial commitments, plus details of the property and the rent it's expected to achieve. We'll confirm exactly what your chosen lender wants and prepare the application with you.
Thinking of letting? Let's run the numbers together.
Tell us roughly what you have in mind and we'll come back to you within one working day. No hard sell, no obligation, no jargon.