

Buy To Let Mortgages
Owning a buy to let property can be the perfect way to plan for the future – an investment that can set you up for more financial options later in life.
A buy-to-let (BTL) mortgage lets you do this – it’s a specialist a type of mortgage specifically designed for individuals who want to purchase property as an investment and rent it out to tenants.
These mortgages are different from standard residential mortgages, primarily in how they are assessed and the criteria used for approval, so you will need specialist advice to ensure that you get the most suitable mortgage product – and that’s where The Financial Guys come in!

How Can We Help?
Expert Guidance
Our team of mortgage experts understands the complexities of Buy To Lets – making sure we help you get the most suitable product to meet your financial goals.
Extensive Panel of Lenders
We’re not tied to any particular lender, so we’re only interested in getting you the most suitable product for your circumstances – not sales targets!
Modern & Streamlined Process
We know you’re busy so our process makes securing a mortgage as quick and easy as possible, using the latest technology and evening/weekend appointments to suit you.
What Do People Say About Us?

The Financial Guys Process
A buy-to-let mortgage can be an effective way to invest in property and generate rental income. However, it’s essential to understand the specific requirements, benefits, and risks associated with BTL mortgages. With the right preparation and guidance, the process can be smooth and efficient. We put the essential steps in place for you to obtain a buy to let mortgage, tailored to your specific needs.
Initial Chat
We’ll book you in for a completely free, no obligation chat with our mortgage team to allow us to quickly assess what options might be available to you and to answer any questions you have.
Decision In Principle
After the intial chat, we’ll ask for the information and documentation we require to get you a decision in principle – this will give us an indication of how much a mortgage provider is willing to lend you for your rental property.
Find A Property
This is the fun part where you go and find a property that fits your budget. With our expert knowledge of the local area, we can help make sure that you don’t pay too much for a property and that you one you pick will help you achieve your financial goals.
Full Application
Once you’ve chosen the property and had an offer accepted, we get the ball rolling with a full application – and you’ll have the keys in your hand before you know it! We’re there every step of the way, to keep you fully up to date with the process and answering any questions you have on the way.
We Hold Your Hand Every Step Of The Way
Navigating the home-buying process can be daunting, but with our comprehensive financial service, you’re never alone. We hold your hand every step of the way, providing expert guidance and support until you get your keys.
Start Today – Book A Free, No Obligation Chat
Our 15 minute initial chat allows us to assess the best way to help you and to answer any questions you have about buy to let mortgages.
About Us
At The Financial Guys, our mission is to help you achieve financial security and peace of mind. We understand that every client’s financial situation is different, and we pride ourselves on offering personalised advice that aligns with your individual goals and circumstances.
As a family-run business, we infuse our family values into every decision we make. This approach ensures that our clients remain at the heart of everything we do, enabling us to consistently deliver outstanding customer experience. Together, we strive to achieve the best possible outcomes for each and every one of our clients. In essence, we’re one big family working together to support and uplift our clients.

Disclaimer
Frequently Asked Questions
Can I get a buy-to-let mortgage if I don't own my home?
While some lenders prefer applicants who already own their home, it is still possible to obtain a BTL mortgage if you are a first-time buyer. However, the criteria may be stricter, and you may face higher interest rates or deposit requirements.
Are buy-to-let mortgages available for limited companies?
Yes, many lenders offer BTL mortgages for properties purchased through a limited company. This can provide tax advantages, such as the ability to offset mortgage interest against rental income more efficiently.
How is rental income assessed for a buy-to-let mortgage?
Lenders typically require the expected rental income to cover at least 125-145% of the mortgage repayments. This is assessed using a rental income projection provided by an independent valuer.
Can I live in a property with a buy-to-let mortgage?
No, BTL mortgages are specifically for properties intended to be rented out to tenants. If you wish to live in the property, you will need a standard residential mortgage.
What happens if I can't find tenants for my buy-to-let property?
If you experience void periods where the property is unoccupied, you are still responsible for making the mortgage payments. It’s important to have a financial cushion to cover such periods and consider investing in landlord insurance to mitigate risks.
How can I increase my chances of getting approved for a buy-to-let mortgage?
To improve your chances of approval:
- Ensure your credit history is in good shape.
- Save a sufficient deposit (ideally 25% or more).
- Provide evidence of stable income and financial affordability.
- Research and choose a property with good rental potential.
The Financial Guys is a trading name of Platinum Financial Limited which is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.
The Financial Conduct Authority does not regulate some forms of Buy to Let. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Contact
- 0333 012 4574
- hello@thefinancialguys.co.uk
Opening Hours

Evening and weekend appointments available.
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Registered Address: 30 Benton Road, High Heaton, Newcastle upon Tyne, NE7 7DU