Buy‑to‑Let Mortgage Advice
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Services
Buy to Let Mortgage Advice - Smarter Lending for Landlords
Whether you’re purchasing your first rental property or expanding a growing portfolio, getting the right buy to let mortgage is essential for long-term success. At Connect Mortgage Services, we offer expert, whole-of-market advice to landlords across the UK — helping you secure competitive rates, structure your investments wisely, and grow your rental income with confidence.
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Buy to Let Expertise from an Independent Broker
We understand the buy to let market inside out — from lender criteria and rental calculations to tax-efficient ownership structures. As independent brokers, we’ll match you with the right lender for your strategy and goals.
Support for New and Experienced Landlords
Whether you’re investing for the first time or managing multiple properties, we provide tailored advice that evolves with your portfolio — including limited company lending, remortgaging, and capital raising.
Efficient, End-to-End Service
We manage the full process from application to completion, liaising with solicitors and lenders on your behalf. With our guidance, you can focus on growing your rental business without unnecessary admin or delays.
Buy to Let Mortgages for Every Investor Type
There’s no one-size-fits-all approach to property investment. We support a wide range of buy to let clients with diverse goals and circumstances:
- First-Time Landlords
Just getting started? We’ll explain the basics of buy to let mortgages, rental yield calculations, and how lenders assess your application — giving you a solid foundation for success. - Portfolio Landlords
Managing multiple properties under your personal name or a limited company? We’ll help you review your lending setup, access better rates, and ensure your portfolio is structured for tax efficiency. - Limited Company Buy to Let
Many landlords now use SPVs (Special Purpose Vehicles) to purchase property. We work with lenders that specialise in limited company buy to let — even if you’re new to this structure. - Let to Buy Scenarios
Planning to rent out your current home to buy a new one? We’ll help you navigate let to buy mortgages and make sure both parts of your move are fully aligned. - Refinancing to Release Equity
Raise capital for deposits, renovations, or debt consolidation by unlocking equity from existing properties — all with strategic mortgage advice.
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Working with Connect - What to Expect
- Free Initial Consultation
We’ll learn about your investment goals and current situation, and explain your options clearly — whether you’re buying, refinancing, or restructuring. - Tailored Mortgage Recommendations
Based on your plans, we’ll search the whole market to find suitable lenders, taking into account affordability, ownership structure, and your long-term strategy. - Application & Case Management
We handle the full application, liaise with underwriters and solicitors, and keep you updated throughout — making the process smooth and efficient. - Ongoing Portfolio Support
We don’t just help with one mortgage. We can assist with future purchases, portfolio reviews, and re-financing as your investment grows.
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What Our Clients Say
”Justin recently helped me with the remortgage of my rental property and continuously kept me updated with new rates to provide me with a better monthly payment. Great service and will always use and recommend him.
Alex Cooke, Google review
”Dan provided expert advise and was very helpful from start to finish. He went above and beyond to get us the best possible deal he could and was always on hand to answer any questions and give us any advice. Was truly a pleasure to deal with and I will 100% be using him again in the future, I’ll also be recommending friends and family to contact CMS and Dan Tyler with any mortgage advice/enquiries.
Dan Tynan, Google review
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Frequently Asked Questions
How much deposit do I need for a buy to let mortgage?
Most lenders require at least a 20–25% deposit. The more you can put down, the better the rates and options available.
Do I need to own a property already?
Not always. Some lenders accept first-time landlords, even if you haven’t owned a home before — though criteria may be stricter.
Can I get a buy to let mortgage through a limited company?
Yes – and it may be more tax-efficient in some cases. We’ll help you decide if a company structure makes sense for your situation and match you with suitable lenders.
What rental income do I need to qualify?
Most lenders use a “rental stress test” to assess affordability. This usually means the rent needs to cover 125%–145% of the mortgage payment at a notional interest rate. We’ll help you work out what this means for your property.
Can I refinance an existing buy to let property?
Absolutely – whether you’re looking for a better rate, longer term, or want to release equity, we can help you remortgage in a way that suits your goals.
Buy to Let articles
Buy-to-Let Tax Changes Explained for Landlords
Buy-to-Let Tax Changes Explained for Landlords
Buy-to-Let Tax Changes Explained for Landlords
Limited Company Buy-to-Let: Is It Right for You?
Limited Company Buy-to-Let: Is It Right for You?
Limited Company Buy-to-Let: Is It Right for You?
How Rental Stress Tests Really Work (And How to Pass Them)
How Rental Stress Tests Really Work (And How to Pass Them)
How Rental Stress Tests Really Work (And How to Pass Them)
Buy-to-Let for First-Time Landlords: A Step-by-Step Guide
Buy-to-Let for First-Time Landlords: A Step-by-Step Guide
Buy-to-Let for First-Time Landlords: A Step-by-Step Guide
Buy-to-Let Mortgage Rates Explained
Buy-to-Let Mortgage Rates Explained
Buy-to-Let Mortgage Rates Explained
