Buy to Let

Helping you get the most out of your buy to let investment

 

Whether you are looking to invest in your first buy to let property, expanding your existing portfolio, or re-mortgaging a rental property, we can help.

Unlike residential mortgages, where borrowing capacity is determined by personal income, the amount you can borrow on a buy to let property is primarily determined by the expected rental income (although some lenders do factor in personal income into their affordability calculations). Lenders will require the rental income to exceed the mortgage by a certain percentage, which differs from lender to lender.

The minimum deposit required for buy to let mortgages is typically 25%, however there are some lenders that will consider less than this. Interest rates are also usually higher than residential mortgages.

We have decades of experience helping landlords find the best rates for their needs. We also have access to specialist lenders and rates that are not available on the high street or to customers direct, so book your free consultation today.

 

  • ''SHFS couldn't be more helpful, knowledgeable, friendly and fast at responding. Would highly recommend.''

    — Jess B

  • ''Tom managed to find us a better deal than we got going directly to banks. He has been there every single step of the way and we cannot thank him enough. We would not go anywhere else now.''

    — Elizabeth B

  • ''I am a first time buyer and Tom has been extremely helpful, no question too silly, very professional and easily contactable. Tom has made the process a lot less daunting and found me the best deal.''

    — Zofia

  • ''I wasn't sure if I was suitable for a mortgage, but I cannot recommend Kelly and the team any more highly. Any person needing a mortgage can rest assured they will do nothing but the very best for you.''

    — Kyle W

  • ''I can’t recommend SHFS enough. We wouldn’t use anyone else ever again. They took the time to explain every single option available in fine detail. Literally made the whole process stress free. Thank you so much for actually caring.''

    -- Alexander S

  • ''My wife and I used SHFS for our recent remortgage. Kelly was fantastic throughout the process. She went out of her way to make sure we got a good deal and she took the complexity out of the process, answering each question we had with speed and clarity.''

    -- Steve B