Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
PROPERTY INVESTMENT
Buy-to-let mortgages
Advice for first-time landlords, experienced investors and growing portfolios. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with buy-to-let mortgages
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Finance built around the investment
Buy-to-let assessment usually considers expected rent, deposit, tax status, property type and your wider portfolio. We help new and experienced landlords compare personal and limited-company borrowing routes.
First-time landlords
Understand deposit, rental coverage and lender experience requirements.
Portfolio landlords
Present existing borrowing and rental performance clearly across the portfolio.
Limited companies
Explore SPV lending with Tennielle or John where that ownership route is relevant.
HMOs
Specialist HMO and multi-unit enquiries are handled by Tennielle and John.
HMO purchase through a limited company
The property, proposed HMO use and SPV ownership did not fit a standard buy-to-let application.
How we approached it
Read the full case study →Individual circumstances and outcomes vary. This example is not a guarantee of acceptance.The team reviewed licensing, planning, experience, rental coverage, company structure and the intended long-term exit.
Specialist knowledge that can make the difference
Our team regularly works with rental coverage, portfolio landlords and personal ownership. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.