Buy-to-Let Mortgage Planning
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Invest with Confidence
Thinking of becoming a landlord? Expanding your property portfolio? Or reviewing your existing rental mortgage?
At Park Hill Financial, we specialise in Buy-to-Let mortgage advice, helping investors like you make smart, tax-efficient decisions—whether it’s your first property or your fifteenth.
What Is a Buy-to-Let Mortgage?
A Buy-to-Let (BTL) mortgage is a loan specifically designed for purchasing a property you plan to rent out, rather than live in yourself.
It works differently from a residential mortgage, and lenders will assess your eligibility based on:
Expected rental income
Property value
Your income and credit history
Type of property and tenant (e.g. single let, HMO, student lets)
Whether you’re investing for long-term income or capital growth, the right mortgage is key to making your investment work.
How We Help
Buy-to-Let isn’t just about interest rates—it’s about finding a product that supports your goals and works with your tax and financial position. We provide:
- Access to the whole market – including specialist lenders
- Advice on personal vs. limited company ownership
- Support for first-time landlords or portfolio investors
- Help with remortgaging or capital raising
- Guidance on lender criteria, stress testing, and deposit rules
- Clear explanations of fees, risks, and obligations
We make the complex simple—so you can make informed investment decisions.
Who Can Get a Buy-to-Let Mortgage?
Buy-to-Let mortgages are available to:
First-time landlords
Experienced investors with multiple properties
Limited companies set up for property investment (SPVs)
Landlords looking to remortgage or raise capital
Individuals wanting to rent out their current home (‘let-to-buy’)
Lender criteria vary—so expert guidance is key to getting the right deal.