Looking to expand your property portfolio or start your journey as a landlord? Our expert advisers will help you secure the right buy-to-let mortgage for your investment goals.
Looking to expand your property portfolio or start your journey as a landlord? Our expert advisors will help you secure the right buy-to-let mortgage for your investment goals.
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Investing in property requires careful planning and consideration. Here's our step-by-step guide to securing a buy-to-let mortgage and becoming a successful landlord.
Determine your investment strategy, budget, and target rental yield. Consider whether you're investing for income, capital growth, or a combination of both.
Most lenders require at least 5-10% of the property value as a deposit. Government schemes like Help to Buy and Lifetime ISAs can help boost your savings.
Check your credit score, gather necessary documents, and understand your borrowing capacity. We'll help you prepare for the mortgage application process.
Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.
Research locations with strong rental demand and potential for capital growth. Consider property types that appeal to your target tenant demographic.
With a mortgage in principle, you can start viewing properties within your budget and make offers with confidence.
We'll help you compare options from across the market to find the most competitive rates and terms suited to your investment strategy.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Set up efficient property management, understand your tax obligations, and regularly review your mortgage to ensure it remains competitive.
Congratulations! You've completed your purchase and can now move into your first home. We'll still be here for any future mortgage needs.
Investing in property requires careful planning and consideration. Here's our step-by-step guide to securing a buy-to-let mortgage and becoming a successful landlord.
Determine your investment strategy, budget, and target rental yield. Consider whether you're investing for income, capital growth, or a combination of both.
Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.
Research locations with strong rental demand and potential for capital growth. Consider property types that appeal to your target tenant demographic.
We'll help you compare options from across the market to find the most competitive rates and terms suited to your investment strategy.
Set up efficient property management, understand your tax obligations, and regularly review your mortgage to ensure it remains competitive.
There are several approaches to buy-to-let investment, each with their own advantages and considerations.
Buy to let mortgage lenders require a higher deposit than a residential mortgage, and have specific assessments they make on potential borrowers. It's important to seek professional and unbiased advice when planning to take out a buy to let mortgage, whether this is your first property or will be an additional property in your portfolio.
You can remortgage your buy-to-let to switch to a better rate or release equity and raise some cash.
Houses in Multiple Occupation (HMO) are properties that are rented out to people from more than one household on a room-by-room basis. Although HMO's in general generate more income than a traditional Buy to Let property they're also more complex, too, with licensing, planning permission and huge amounts of legislation to comply with.
Allows landlords to finance multiple rental properties under a single mortgage facility. This approach streamlines management and can unlock better rates.
A let to buy mortgage is when homeowners rent out their existing property to tenants and use the rental income to help fund a mortgage on a new home. It’s a popular way to move without selling, but comes with added risks, specialist mortgage products, and regulatory requirements to ensure everything stays compliant.
MUFB (Multi Unit Freehold Block) mortgage refers to financing for a single freehold property split into multiple self-contained flats. It’s often more profitable than standard Buy to Let, but lenders see it as higher risk. Expect specialist criteria, larger deposits, and detailed rental income assessments to secure the right deal.
Friends Capital have relationships with buy to let mortgage lenders. We can search the entire market and get access to the best and most exclusive deals available. Then we will choose the deal that are most appropriate to your personal circumstance. We can:
Our experienced mortgage advisers understand the challenges buy-to-let investors face and are dedicated to making your property investment journey as smooth as possible. We'll be with you every step of the way.
Our expert advisers are ready to help you find the right buy-to-let mortgage and build a successful property portfolio.
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