We provide buy-to-let mortgage advice in London, helping landlords and property investors arrange suitable finance based on their needs and circumstances.
At London Finance Hub, our mortgage advisers support new and experienced landlords across Greater London, including individual and limited company investors.
We assess your property plans, rental income and personal or company circumstances, and compare lenders across the UK mortgage market to help you understand your available buy-to-let mortgage options.
Who this buy-to-let mortgage service is for
Our buy-to-let mortgage advice service is suitable for individuals and companies looking to purchase or remortgage residential investment property in London and across Greater London.
We support:
- First-time landlords
- Existing landlords expanding their portfolio
- Landlords remortgaging an existing buy-to-let property
- Investors purchasing through a limited company
- Portfolio landlords with multiple properties
How the buy-to-let mortgage process works
Our buy-to-let mortgage process is designed to help landlords identify suitable finance based on their property plans and individual or company circumstances.
We begin by reviewing the property details, expected rental income and your personal or company financial position.
We then compare buy-to-let mortgage options from a range of lenders and explain lender requirements, interest rates and product features clearly.
Once we have identified a suitable mortgage based on your needs and circumstances, we support you through the full application, valuation and offer stages through to completion.
Certain Buy-to-Let (BTL) mortgages and commercial mortgages are not
regulated by the FCA
Deposit, rental income and lending criteria
Buy-to-let mortgages are designed for purchasing property that you intend to rent out, rather than live in yourself.
The amount you may be able to borrow usually depends on the rental income the property is expected to generate. In some cases, lenders may also take other income into account.
Typically, a higher deposit is required for a buy-to-let mortgage when compared with a residential mortgage. In many cases, this is around 25% of the property value, although this can vary depending on the lender and your circumstances.
While the application process for a buy-to-let mortgage is similar to applying for a residential mortgage, the eligibility criteria are different. Lenders may consider factors such as your existing property portfolio, outstanding borrowing and overall financial position when assessing an application.
Why use London Finance Hub for your buy-to-let mortgage
At London Finance Hub, we provide bespoke buy-to-let mortgage advice to landlords and property investors across London and Greater London.
We take time to understand your investment plans and individual or company circumstances, and explain your options clearly so you can make informed decisions.
Our advisers support you from your initial enquiry through to completion, liaising with lenders, solicitors and other parties involved where required.
Where required, we can also introduce landlords to suitable providers for landlord buildings insurance, landlord malicious damage cover and rent protection insurance of up to 12 months. We work with a range of insurers and explain the available options so you can decide whether additional protection is appropriate for your circumstances.
We aim to make the buy-to-let mortgage process clear and straightforward, providing guidance at every stage.