

Mortgages For Landlords
Being a landlord can be the perfect way to plan for the future – an investment that can pay you a regular income whilst being an asset for the future.
Landlords need a particular type of mortgage called a buy-to-let (BTL) mortgage that 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 mortgages for landlords – 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
Mortgages for landlords can be an effective way to invest in property. However, it’s essential to understand the specific requirements, benefits, and risks associated with mortgages for landlords. 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 landlord 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 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 landlord mortgage if I'm a first-time buyer?
Yes, some lenders offer buy-to-let mortgages to first-time buyers, but criteria may be stricter, and interest rates may be higher. Lenders will assess your ability to manage the property and meet mortgage repayments based on your financial circumstances.
How is rental income assessed for a landlord mortgage?
Lenders typically require the expected rental income to cover a certain percentage (usually 125-145%) of the mortgage repayments. They may use rental income projections from a surveyor or assess local rental market data.
Are there tax implications for landlords?
Yes, landlords may be subject to income tax on rental income and capital gains tax when selling a property. Mortgage interest payments and allowable expenses can usually be offset against rental income for tax purposes, though recent tax changes have impacted this.
Can I live in a property financed with a landlord mortgage?
No, buy-to-let mortgages are specifically for properties intended to be rented out to tenants. If you intend to live in the property yourself, you will need a standard residential mortgage.
How can I mitigate risks associated with landlord mortgages?
To mitigate risks, landlords should:
- Conduct thorough research on the property market and potential rental yields.
- Maintain a financial buffer for void periods and unexpected expenses.
- Consider landlord insurance to cover property damage, legal expenses, and loss of rental income.
What are the risks associated with landlord mortgages?
- Market Fluctuations: Property values and rental demand can change, impacting rental income and property resale value.
- Void Periods: Times when the property is unoccupied and not generating rental income.
- Maintenance Costs: Regular upkeep and unforeseen repairs can affect profitability.
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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