RESIDENTIAL & BUY TO LET

MORTGAGES

With access to over 100 UK lenders, we deliver tailored mortgage solutions across residential and buy-to-let — with expert guidance from strategy to completion.

Whether you’re buying your first home, refinancing a high-value property, or expanding your investment portfolio, we help secure the right mortgage to match your needs. From residential purchases to buy-to-let lending, we structure solutions that reflect your goals — not just your numbers.

With access to private banks, high street lenders, and specialist options, we cut through complexity to deliver clarity and confidence.

We support:

– First-time buyers looking for expert guidance

– Homeowners remortgaging high-value properties

– Landlords expanding buy-to-let portfolios

– Expats and non-residents financing UK property

– Clients with complex income or company structures

CRITERIA HIGHLIGHTS

  • Market-leading interest rates
  • High LTV solutions available
  • Earnings in Foreign Currency accepted
  • Available for both purchases and remortgages
  • No UK mortgage history required
  • No minimum income requirement (Buy-to-Let)
  • Limited company, LLP, and offshore structures accepted
  • Suitable for employed and self-employed applicants
  • High-value loans available — no upper limit

To discuss your mortgage options, click here to submit an enquiry or call us on +44 20 3687 0533



Discover what we can do for you

Get a Real Financial Partner

Property Types

  • Residential Homes & Flats
  • Buy-to-Let Properties
  • Houses in Multiple Occupation (HMOs)
  • Multi-Unit Freehold Blocks (MUFBs)
  • New Builds – Houses & Apartments
  • Holiday Lets & Short-Term Rentals

Ready to get started? Share your enquiry and let our team assess your options. We’ll handle the lender conversations, compare terms, and present solutions aligned with your goals — clearly and efficiently. Get in touch via our enquiry form or call us on 020 3687 0533 — we’ll guide you from strategy to completion.

Frequently Asked Question

We’re always happy to discuss your questions directly, but here are answers to some of the most common queries we receive about residential and buy-to-let mortgages.

How much can I borrow for a residential mortgage?

This depends on your income, outgoings, credit profile, and the lender’s affordability model. We’ll help you understand your maximum borrowing with different lenders.

How much deposit do I need for a buy-to-let mortgage?

Typically 25%, though this can vary. Some lenders may offer lower or higher loan-to-value (LTV) depending on your profile and rental income.

 

Can I get a mortgage if I’m self-employed?

Yes — most lenders will accept self-employed applicants, typically requiring two years of trading history, though some accept one year with strong accounts.

Do I need a minimum income to qualify for buy to let mortgage?

Many lenders don’t require a minimum personal income for buy-to-let, as affordability is based on projected rental income. Others may ask for £25,000+.

What’s the difference between repayment and interest-only?

Repayment means you pay back both interest and capital over time. Interest-only keeps payments lower but requires a plan to repay the loan at the end of the term.

Can I use foreign income to secure a UK mortgage?

Yes — some lenders accept foreign currency income, though terms and available products may differ. We’ll guide you through the right route.