Buy To Let

Straightforward advice to help you make confident decisions — whether it’s your first rental or part of a growing portfolio.

Buy-to-let mortgages come with different rules, lender criteria, and expectations and finding the right setup can be harder than it looks.

I’ll help you understand what’s possible, what makes financial sense, and what you need to think about, so you can move forward with clarity and confidence.

  • Yes, even if you’ve never rented out a property before, there are lenders who’ll work with you. The right fit depends on your income, deposit, and the property you’re buying.

  • Some lenders prefer you to already own a residential property, but it’s not always essential. I’ll help you understand what’s realistic and where you stand.

  • Most buy-to-let mortgages require a minimum of 20–25% deposit, but it depends on the property, the rent it can generate, and the lender’s criteria.

  • Yes, buy-to-let affordability is usually based on the rental income the property is expected to bring in. I’ll help you understand how this is calculated and what lenders are looking for.

  • No, most lenders will base their decision on the expected rental income for the property, not whether you’ve already found a tenant. I’ll help you get the right documents in place so the lender has everything they need.

  • We’ll start with a simple chat about your plans, the property you’re looking at, and what you want to achieve. From there, I’ll guide you through each step, clearly and calmly.

Questions I Hear All the Time

There’s no such thing as a silly question, but here are the ones that come up the most.

What to Expect

  • 01. Your mortgage strategy appointment

    We’ll start with a chat about your plans, the property you’re buying, and how you’d like things to work. Whether it’s your first rental or you’re adding to your portfolio, I’ll help you understand what’s possible.

  • 02. Mortgage Advice & recommendation

    Once I’ve got a clear picture, I’ll search the market and recommend a lender that fits your goals, your finances, and the type of property you’re buying.

  • 03. Application & mortgage offer

    I’ll handle the paperwork, submit your application, and keep in touch with the lender so everything moves along smoothly, all the way through to your mortgage offer.

  • 04. Protection review

    If you’re taking on extra borrowing or responsibility, it’s a good time to review your life cover or income protection. I’ll help you make sure everything still fits.

  • 05. Completion

    I’ll be on hand right through to completion day, making sure the mortgage is in place and everything goes ahead as expected.

What Working Together Looks Like

💬 Straightforward advice
I’ll explain everything in real terms, so you know what’s actually happening (and why it matters).

🏦 Whole-of-market access
I’m not tied to one bank. I’ll look at a wide range of lenders to find a mortgage that suits you.

📝 Paperwork handled
I’ll manage the forms, the chasing, and the admin — and keep you in the loop every step of the way.

🔍 Realistic, honest guidance
I’ll help you set a plan that works for your actual life — no pressure, no assumptions.

🎯 With you from first chat to getting the keys
I’ll be here through the whole journey, not just until the mortgage offer lands.

  • Client Review

    We’ve used Laura for our last 2 mortgages & she is professional, knowledgeable and quick to respond. She made the process as easy & hassle free as possible each time.

  • Client Review

    I used Laura for my first mortgage as neither me or my partner had a clue where to start! She made us feel instantly as ease and took all the pressure and stress away from us making it all a very exciting journey! Very professional and always available to chat if you have any worries/questions. Would certainly recommend!

  • Client Review

    Laura was excellent. Really informative and got my mortgage and life insurance sorted over a teams call which was great for me as it fitted round my work schedule. She made the whole process seamless!

  • Client Review

    Laura was brilliant, very patient and knowledgeable, not patronising. Spoke to us at the right level. Let us know exactly what documents we needed to provide and when. Kept us up to date with where our remortgage was at. We also used Laura for our first mortgage!

  • Client Review

    Laura has been so helpful and proactive in helping us find the best options for us, she is approachable and always on hand to answer questions. Can’t recommend her highly enough! Thank you again Laura!

READY TO TALK THROUGH YOUR BUY-TO-LET PLANS?

Whether you’re exploring your first rental or planning your next move, I’ll help you understand what’s possible and make a plan that fits.

I’ll walk you through the process and help you take the next step with clarity and confidence.