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Buy to Let Mortgage Advisors and Brokers

Key information you need to know about finding a specialist buy to let mortgage broker

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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: March 24, 2022

The buy-to-let (BTL) mortgage market is vast, so expert advice tailored for individual borrowers is tough to find. There are so many niches within this sector which is why there are specialists for each one of them, including houses of multiple occupancy (HMO) mortgageslimited company BTL dealsbuy to let mortgages for borrowers with a history of adverse credit, and many more.

To find these specialist brokers, whole-of-market access is essential and that’s exactly what we do! The buy to let specialist mortgage brokers we work with have with years of experience and access to the entire market, so make an enquiry and we can connect you to the right advisor for you.

What type of buy to let mortgage specialist brokers are there?

We can connect you with buy to let mortgage brokers who specialise in the following niches

If you fall into any of the above categories, seeking a broker who can offer specialist buy-to-let mortgage advice is essential, as going to a mainstream lender who doesn’t fully understand these niches comes with the risk of being rejected or offered unfavourable rates.

Bad credit buy-to-let brokers

Having adverse credit against your name could be the difference between securing a table-topping deal or having to settle for an unfavourable interest rate. We work with specialist BTL lenders who deal with mortgage applications for customers with bad credit every day, and they can connect you with lenders who offer the best rates to borrowers with the following…

  • No credit history
  • Low credit score
  • Late payments
  • Missed mortgage payments
  • Defaults
  • CCJs
  • IVAs
  • Debt management Schemes
  • Repossessions
  • Bankruptcy
  • Payday Loans
  • and customers with multiple credit problems

Providers who cater for borrowers with any of the above my base their lending decision on how severe the credit issue is – a missed credit card payment is less severe than a bankruptcy, for instance – and the older the credit issue, the better.

Complex income buy-to-let brokers

Mainstream lenders usually prefer borrowers to be in, secure full-time employment, but we can connect you with expert buy-to-let mortgage advisors who cater for customers whose income includes the following…

  • Self-employed earnings
  • Bonuses
  • Commission
  • Benefits
  • Contractor work (including Ltd company workers and umbrella company employees)
  • Pensions and other investments

Some lenders are unwilling to take one or more of the above revenue streams into account when calculating how much you’re able to borrow, so if any of your income is non-standard, specialist buy-to-let advice may be needed to find a mortgage based on 100% of your earnings.

Non-standard buy-to-let property brokers

Where buy-to-let property is concerned, the most straightforward customers are those in the market for a conventional homemade from bricks and mortar. If the building you’ve got your eye on falls outside of that broad category, mainstream providers may either turn you away or offer you less favourable rates due to the perceived higher risk.

Luckily for anyone in this boat, we work with specialist mortgage brokers for buy to let properties with ‘non-standard’ features such as…

Later-life buy-to-let brokers

Some buy to let mortgage providers won’t lend to anyone over the age of 75, others extend that limit to 85 and a minority will impose no age cap at all, as long as they are confident you will be capable of repaying the loan throughout your retirement years.

There are specialist BTL mortgage products geared towards later-life borrowers, and the whole-of-market buy-to-let financial advisors we work with can connect you with the lenders who provide them, so make an enquiry to get the ball rolling on this.

Tenant types

The type of tenants you’re hoping to attract once you have your BTL mortgage can also impact on the number of lenders who are willing to offer you credit. The most straightforward borrowers are those offering assured shorthold tenancies (ASTs) to families or young professionals, while any of the below may require a specialist lender…

  • Student lets
  • HMOs
  • Tenants receiving DSS rental support
  • Short-term tenants
  • Tenants on non-standard contracts

Any of the above are considered niche areas, so specialist buy-to-let advice for landlords in these sectors should be sought to find the best deals.

Brokers for experienced landlords

Generally speaking, first-time buyers will find it more difficult landing a BTL mortgage than a professional landlord, but those with a large portfolio may need a specialist lender.

Certain BTL mortgage providers will restrict the number of mortgages a single borrower can have at four-five, others have higher limits, and some have none at all. Either way, if you’re a professional landlord with a sizeable portfolio, it’s always advisable to seek specialist buy-to-let property investment advice before adding another property to your collection.

Did you know… You only have access to one third of the Buy-To-Let mortgages available unless you use a specialist broker! Get Started with an OMA-Expert to unlock the entire market.

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We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

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Why do I need advice from a buy-to-let mortgage broker?

To put it in simple terms, the buy-to-let market is vast and not every lender will be in a position to offer you their best rates, as some of them use different criteria to others.

Approaching as many lenders as possible directly is not advised since making too many applications can have an impact on your credit file, not to mention the legwork involved. Rates tables can also let you down, as some of them give prominent placement to sponsored products and therefore don’t offer a true overview of the entire market.

With these things in mind, your best bet is to use a broker with access to the entire market. That way, all of the best deals you qualify for will be within reach.

Buy-to-let mortgage broker fees

Broker fees can vary across the board, and will usually depend on the complexity of the deal and the type of buy-to-let mortgage you’re applying for. For example, portfolio landlords (with four or more properties) tend to be more complex than other borrowers.

It is possible to find buy to let mortgage brokers that charge no fees, while many of the ones which do charge will typically bill you between £500 and £999. Others may ask for 3-4% of the loan amount, and BTL broker fees for secured loans and second mortgages can be even higher.

Should I choose a fee-free BTL broker?

When deciding whether to choose a fee-free buy-to-let mortgage broker or go with one that charges, it’s important to calculate the overall cost of the mortgage. There’s no point taking a deal with no broker fee if the interest rate you end up on is sky-high.

You should also be wary of deals that come with hefty upfront fees. We believe that brokers should only be paid on success, so the buy to let mortgage brokers we work with will only charge you if they find you a suitable deal and will refund any upfront fees if they’re unable to help. Make an enquiry to speak to one of them on the phone.

Can I speak to a buy to let mortgage broker from anywhere in the UK?

There are buy-to-let mortgage brokers who operate all over the UK. England and Wales have the broadest coverage, so if you’re after a buy to let mortgage broker in London, for example, you will have plenty to choose from, providing you’re likely to pass the eligibility checks.

So, if you’re after buy to let advice in London, or anywhere else in England or Wales, get in touch and the experts we work with will ensure you’re connected to the right lender.

Can you find me a buy-to-let mortgage broker in London?

Yes, this won’t be a problem as we work with many buy-to-let mortgage brokers who specialise in the London market. But the thing to keep in mind is that we’ll introduce you to the expert who’s most likely to help you achieve your goals and get the outcome you want.

This doesn’t necessarily mean they’ll be based in London, and if that’s not the case, it won’t put you at a disadvantage if you’re buying there. They will remain in regular contact with you over the phone and through online channels!

Getting buy to let advice in Scotland

Your choice of lender/broker will be fewer if you’re looking for a buy to let up in Scotland, as someplace restrictions on certain Scottish postcodes and others won’t lend for properties in the Highlands or off the mainland (islands such as Mull, Skye, etc).

But luckily for anyone in the market for a buy to let north of the border, the BTL mortgage specialists we work with know exactly which lenders offer the best rates in Scotland.

Buy to let advice in Northern Ireland

Again, fewer brokers cover Northern Ireland and the ones which do tend to place restrictions on certain postcodes. This is why whole-of-market access is needed to find the best deals for you, so make an enquiry and the specialist buy to let mortgage brokers we work with will give you the right advice and connect you to the best lenders for someone in your circumstances.

Advice on buy to lets outside of the UK

A lot of customers get in touch to ask for advice on securing a buy to let abroad, and there are a number of ways to do this, including…

  • Remortgaging a UK-based property to purchase a BTL overseas
  • Borrowing from a UK bank that offers loans for overseas purchases
  • Arranging an overseas mortgage from a lender based in the country in question

Navigating the murky waters of overseas mortgages can be daunting and is not without risk, so expert advice should be sought beforehand. Luckily, the specialist brokers we work with are on hand to provide advice on buy to lets outside of the UK – so make an enquiry now.

Advice on mortgage products for holiday lets

A lot of customers get in touch seeking advice on converting a buy to let into a holiday let, and the good news is that the experts we work with can provide this.

Holiday lets have become more popular than ever since the rise of services such as AirBnB, and they’re attractive to landlords as borrowing rules are less strict and the tax environment is more favourable. The only problem is that only a handful of lenders offer mortgage products for holiday lets in the UK, so this can be problematic for borrowers, especially if they fall into niche categories such as portfolio landlord or limited company.

Nevertheless, the whole-of-market brokers we work with aren’t just experts in buy-to-let property advice, they can also help you find the best holiday let mortgages too.

Are there online buy to let mortgage brokers?

Yes, there are brokers who will deal with the bulk of your mortgage application online, via email SMS and other remote methods. There are also flexible brokers who can keep the deal ticking along outside of normal office hours.

Keep in mind that you will need to speak with an advisor at some point during the process to verify ID, but the majority of the application can be conducted online, if that’s your preference. Make an enquiry for free buy-to-let mortgage advice today.

Did you know… You only have access to one third of the Buy-To-Let mortgages available unless you use a specialist broker! Get Started with an OMA-Expert to unlock the entire market.

Get Started Ask Us A Question

Ask Us A Question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

Ask us a question and we'll get the best expert to help.

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Brokers who specialise in buy-to-let remortgages

The brokers we work with are in good stead to give out the best, most up-to-date buy-to-let advice, whether you’re purchasing this type of property or remortgaging one.

Remortgaging a buy to let is straightforward for some customers, but it can be more complex for borrowers whose circumstances have changed since they took out their original mortgage.

Although remortgage rates for buy to let tend to be higher than for residential, there are still great deals around – but remember, the overall cost is what is important. There’s no point in taking out a deal with no upfront fees if what you’d pay in interest makes negates the initial saving.

For example…

For an interest only BTL mortgage of £105,000…

Deal A: 105k + 1k fee @ 3% = 265pm Approx. total cost = £7,360
Deal B: 105k + 99 fee @ 3.5% = 307pm Approx. total cost = £7,467 Savings of £107 would be made by taking deal A, despite the higher fee.

For specialist buy to let help tailored for remortgage borrowers, get in touch and the whole-of-market advisors we work with will match you with the lender offering the best rates.

Why choose the buy-to-let mortgage brokers we work with?

As previously mentioned, the market is vast and the best buy to let mortgage brokers for somebody in your circumstances are difficult to come by. Whole-of-market access will help you find them, and we can provide it, but that’s not the only reason to choose us.

We review, screen and the train brokers ourselves

The insight the brokers we work with provide is more reliable than what you’d find on buy-to-let advice forums or via a quick Google search. We only collaborate with experts who have whole-of-market access and are guaranteed to deliver a five-star service. How do we know they have these qualities? We train them ourselves!

All OMA-accredited brokers have passed a stringent course with more than 25 modules to earn their status, which means they’re well-positioned to give out the best buy to let mortgage advice in the UK. They’re on hand to offer whole-of-market BTL advice now, so make an enquiry to speak with one of them over the phone.

We can introduce you to the right buy-to-let mortgage broker

Not all buy-to-let mortgage brokers have the same type of expertise. As we’ve covered in this article, some specialise in bad credit customers, while others focus on holiday let buyers and even experienced landlords. If you’re buying an investment property and want professional advice, it’s important that you talk to the right expert, someone whose bread and butter is a customer exactly like you.

This is where we come in. We offer a free broker-matching service that will take your needs and circumstances into account to handpick an expert with the right knowledge and experience to help you get the best deal. We will only pair you with an expert who we’ve vetted fully so we can vouch for their track record.

Call 0808 189 2301 or make an enquiry online and we’ll set up a free, no-obligation chat between you and your ideal buy-to-let mortgage broker today.

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We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in Buy to Let Mortgages

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About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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