Buy-to-Let

Buy-to-Let

A buy-to-let mortgage is specifically for people who want to purchase a property and let it out to somebody else. If you want to purchase a property to let out to somebody else, you will need a buy-to-let mortgage rather than a standard residential mortgage. There are some important differences between finding a residential mortgage and a buy-to-let mortgage. For example, a buy-to-let mortgage will normally require a larger deposit.


Don't worry, we're here to help. Our buy-to-let information service is completely free and it will provide you with all the information you need to make you feel more relaxed about the process and get the ball rolling!

The first step to purchasing a buy-to-let property is to speak to somebody to find out how everything works. In our free information service we will talk about why you want to purchase a buy-to-let and tailor the advice to your goals. Some people invest in property for long term capital gain and some invest to generate extra income. Whichever it is, we will be happy to help you along the way.

What do I need to get started?

Nothing. Just a phone to use to give us a call! When you apply for a mortgage, you will usually be required to provide documents such as payslips, but the documents you will need to provide will depend on your situation. For example, if you're self-employed, you may not have payslips. That's why we don't ask for any documents or specifics to book the free information call. During the call we will talk about your personal circumstances and tailor our advice to you. From there, we will explain the next steps, such as providing documents and getting a decision in principle.


But just to give you an idea, here are the basic steps to purchasing a buy-to-let property...

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

The FCA does not regulate some forms of Buy to Lets.  





Step 1


Give us a call to book in your free information call. We will have a quick chat and find a time that suits you. Weekends and evenings are available.




Step 2

We will conduct a phone-call and/or screen share meeting where we will discuss investment strategies and how to make the most of your investment. We will also take a look at some deals! (Approx 90 mins)




Step 3


We will ask you to provide us with some documents. For example, payslips to confirm your income.



Step 4


We will get a decision in principle from a suitable lender which will give you a clear indication of how much you could borrow.




Step 5

Now that you know how much you could borrow, it's time to find a property and get an offer accepted. We are also able to assist with making offers for properties on your behalf.




Step 6

Time to get things moving! We will apply for your mortgage and send all necessary documents to the lender. We can also help you arrange a solicitor to take care of the legal side of purchasing.




Step 7

The lender will check the application and also do a valuation on the property to ensure it is worth as much as you are paying for it. We can also help you upgrade to a survey if you would like to have your own checks carried out on the property.




Step 8



If the lender has confirmed that everything is in order, they will issue a mortgage offer.




Step 9


Exchange contracts. This is where you become committed to purchase the property. Sometimes, this is done on the same day as moving in.




Step 10



Completion! This is when you can collect your keys from the estate agent and it's all yours and time to find a tenant.

Book a free call

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £499.


Your home may be repossessed if you do not keep up repayments on your mortgage.


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