Invest in Property

Interested in property investing or looking to grow your property portfolio? A buy-to-let mortgage can be a key tool for generating income and building long-term wealth - whether your short-term goal is another income stream or profit from flipping to invest further.

For new investors, it’s important to understand deposit requirements, additional costs like Stamp Duty/Land Transaction Tax, renovation budgets, and if you plan to rent, your responsibilities as a landlord. 

For experienced investors, careful planning and the right funding structure can help you expand your portfolio, manage risk, or fund maintenance and renovations efficiently. 

Our advisers will guide you through every step—assessing rental income, comparing mortgage options, and helping you make tax-efficient decisions—so you can invest in property with confidence.

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Quick answers

  • Lenders mainly focus on the rental income the property is expected to generate. In most cases, the rent needs to comfortably cover the mortgage payments. Some lenders may also look at your personal income and existing commitments, especially if you’re new to letting a property.

  • Most buy-to-let mortgages require a deposit of around 20–25% of the property value. Having a larger deposit can often give you access to better rates and more lender options.

  • Yes, there are a few things to factor in. Landlords pay income tax on rental profits and capital gains tax when selling a property, along with costs like Stamp Duty/Land Transaction Tax, insurance, and maintenance. We can help you plan your portfolio in a tax-efficient way and make adjustments as rules change.

  • Absolutely. Many landlords build portfolios over time. Lenders will look at your overall affordability, rental income, and existing mortgages, and may ask for larger deposits as your portfolio grows.

  • As a landlord, you’re responsible for keeping the property safe and well-maintained, following tenancy laws, arranging safety checks, and looking after your tenants fairly.

  • It can make sense for some landlords, but it isn’t right for everyone. A limited company structure can offer tax or planning benefits in certain situations, but it’s important to weigh this against costs and long-term goals. A mortgage adviser and tax specialist can help you decide what’s best for you.

  • If you’re looking to buy, renovate, and sell a property quickly, a bridging loan can offer a short-term funding solution. Speak to one of our mortgage advisers to learn more about buy-to-sell mortgages.

What our clients say

testimonials

“Very highly recommended. Dave especially has been brilliant. Couldn’t do enough for us and got us the best deals every time (for residential and buy-to-let mortgages). Will certainly be contacting him again for any further financial services needed.”

Georgia

“I was referred to Geraint at The Money Partnership in 2018 when my regular broker retired. Was pleased (and relieved) to speak to a great broker who worked hard to broker my deals on a buy to let and a residential mortgage in one. Id recommend them and use them again when the time comes.”

James

“Attended a course to help make the right decisions when purchasing a Buy-To-Let property. If you are thinking about starting out as a landlord I can highly recommend to gain insightful and helpful advice.”

Bob

“Recently contacted the team to assist in finding a BTL Mortgage. Was provided with a number of different quotes along with sound advice to help me decide which to take. The team are friendly and always willing to go the extra mile to help. Will definitely be using their services again.”

Daniel

A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.