Looking for buy-to-let mortgage brokers? Back in the 80s, when you heard the iconic line, “There’s something strange in your neighbourhood… Who you gonna call?”—everyone knew the answer.
Fast-forward to today, and when landlords and property investors need expert mortgage advice, who should they be calling? The answer is Buy-to-let mortgage brokers.
With decades of combined financial expertise, we specialise in making even the most complex buy-to-let scenarios simple. Whether you’re expanding your portfolio, switching to a limited company structure, refinancing for better rates, or needing a fast bridging loan, buy-to-let brokers thrive on finding solutions others can’t.
Whatever your investment goals, they’re here to help you achieve them—quickly, efficiently, and with expert guidance every step of the way.
How Do Buy-to-Let Mortgages Work?
Buy-to-let mortgages differ from residential mortgages in several ways. They are usually interest-only, meaning monthly payments cover only the interest, not the loan itself. The full loan amount must be repaid at the end of the term, often through selling the property, using savings, or refinancing.
Most landlords use rental income to cover mortgage repayments. However, rental income is not always guaranteed due to late payments or vacant periods, which increases financial risk.
Because of this, buy-to-let mortgages often have higher interest rates and deposit requirements than residential mortgages. Lenders assess affordability differently, typically requiring rental income to exceed mortgage payments by a specific margin to ensure financial stability.
Buy-to-Let Affordability Calculator
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Buy-to-let Mortgage Brokers | Types of BTLs
Buy-to-let mortgages come in several types, each suited to different investment strategies and borrower needs. The most common is a standard buy-to-let mortgage, usually offered on an interest-only basis. This means landlords pay interest each month and repay the capital at the end of the term.
Portfolio buy-to-let mortgages are designed for landlords with multiple properties, allowing them to manage investments under one mortgage arrangement. HMO (House in Multiple Occupation) mortgages cater to landlords renting to multiple tenants from different households. These often require specialist lenders due to stricter lending criteria.
Limited company buy-to-let mortgages are tailored for investors purchasing properties through a company structure. This option can offer tax benefits, depending on individual circumstances. Holiday let mortgages apply to properties let on a short-term basis, such as Airbnb rentals. These have different affordability assessments compared to standard buy-to-let loans.
The buy-to-let mortgage market can be complex due to varying lender criteria, tax considerations, and affordability calculations. A buy-to-let mortgage broker can provide access to a wide range of lenders, including specialist providers not available to the public. They assess an investor’s circumstances, recommend suitable mortgage options, and ensure compliance with lending regulations.
Brokers also help secure competitive rates, structure applications efficiently, and support landlords through changing market conditions. Their expertise is valuable for both new and experienced property investors looking to finance rental properties effectively.
Making Buy-to-Let Brokering Smoother, Faster, and Stress-Free
Removing Barriers – Direct to Decision-Makers
Nobody likes delays—especially when they could mean missing out on a prime investment opportunity. At Connect Experts, we ensure your application reaches the real decision-makers, not just a generic inbox. With established relationships across 200+ lenders and providers, including specialist buy-to-let lenders, we can speak directly with underwriters to get your case moving quickly, cutting through red tape and avoiding unnecessary hold-ups.
Rigorous Due Diligence – The Detail Double-Checkers
Mistakes and oversights can cost valuable time and even lead to declined applications. That’s why, alongside your dedicated buy-to-let brokers, you’ll have the support of our experienced case management team—our ‘detail double-checkers’. Many of them have worked in underwriting at major banks, so they know exactly what lenders look for. They’ll meticulously review your case to pre-empt potential issues, ensuring a smooth journey from application to offer
Buy-to-Let Mortgage Brokers | Focus on Your Portfolio, Not Paperwork
We know your time is better spent finding your next investment than battling admin. That’s why we take care of the entire mortgage process for you—from packaging your case correctly to liaising with lenders, chasing paperwork, and ensuring hassle-free completion. Whether you’re a portfolio landlord, a first-time investor, or looking to refinance, we’re here to simplify your buy-to-let journey and help you confidently unlock your next opportunity.
