WHAT WE DO?
Investor-Focused Mortgage Advice
Support from Offer to Completion
Clear, Strategic Guidance — No Jargon.
Whether you're buying your first rental or managing a growing portfolio, we help structure your mortgage around your investment strategy — with tailored advice, expert lender access, and a process designed to save you time and maximise returns.
Your property may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Tailored BTL Lending Strategy
We provide recommendations based on your investment goals, income type, and preferred ownership structure — helping you finance property the right way, whether personally or via a limited company.
Access to BTL Specialist Lenders
From high-street names to specialist buy-to-let lenders, we match your portfolio plans and property type with the most suitable products on the market.
Support with Portfolio & SPV Cases
We assist landlords with growing portfolios, SPVs (Special Purpose Vehicles), HMO financing, and stress-tested affordability scenarios — always aligning lending with strategy.
End-to-End Application Management
From sourcing an agreement in principle to working with solicitors and surveyors, we manage the entire process to save you time and avoid common delays.
Clear Communication Throughout
We keep you informed at every stage — including product selection, application status, and completion timelines — all in plain language, tailored to investors.
First-Time Landlords
New to property investing? We’ll walk you through lender criteria, rental income stress testing, and help you build a solid foundation with the right finance.
WHO WE HELP?
First-Time Landlords. Portfolio Investors.
Limited Companies. Complex Income Clients.
Property Professionals.
We support investors at every stage — whether you're buying your first rental or refinancing a multi-property portfolio.
Portfolio Landlords
Limited Company (SPV) Buyers
Managing multiple properties? We help streamline complex cases, review existing finance arrangements, and plan for future acquisitions — personal or Ltd Co.
We structure buy-to-let mortgages for Special Purpose Vehicles (SPVs) — aligning your lending setup with tax strategy and long-term goals.
Self-Employed or Complex Income
Own a business, have varied income, or invest through a trust? We work with lenders who understand real-world income and structure applications accordingly.
Refinancing or Capital Raise Clients
Looking to release equity to fund another investment or restructure your existing finance? We’ll explore remortgage, capital raise, or term change options to suit your goals.
Your Mortgage Journey. Simplified.
Here’s how we support you through the mortgage process.
01
Investor Consultation
We begin with a focused conversation about your goals — whether you're purchasing, refinancing, raising capital or planning long-term growth.
02
Strategy & Product Research
We assess your circumstances (rental yield, property type, ownership model) and source lender options that align with your short- and long-term plans.
03
Application Support
We manage the application process, prepare supporting documents, and ensure submissions meet lender criteria — reducing the risk of delays.
04
Liaising with All Parties
We coordinate with valuers, underwriters, solicitors and you — ensuring the transaction moves forward smoothly and efficiently.
05
Completion & Follow-Up
Once your mortgage completes, we’re available for portfolio reviews, refinancing advice, and strategy check-ins.
FREQUENTLY ASKED QUESTIONS
Here are answers to questions we're regularly asked. If you're unsure about anything else, we're always happy to talk it through.
How much can I borrow for a buy-to-let?
BTL lending is based on expected rental income and subject to stress testing. The property type, your deposit, and ownership structure all impact what you can borrow — we’ll help you assess this across different lenders.
Does the lender look at my personal income too?
Yes, some lenders do. While BTL is primarily assessed on rental income, your personal income may still be considered.
Do you charge a fee?
Yes — we typically charge between £100–£1000, depending on case complexity. We’ll confirm the fee in writing before any application is submitted.
Do you work with specialist BTL lenders?
Absolutely. We have access to a wide range of buy-to-let lenders — including those who cater to complex ownership structures, HMOs...
Can I apply as a limited company or non-UK national?
Yes. Many investors use SPVs (Special Purpose Vehicles) for tax efficiency. We also work with lenders who accept visa-based applicants — all subject to individual lender criteria.
What if I’m not buying yet?
No problem — we offer investor consultations even before you’re ready to buy. This helps you understand what’s possible and prepare...