Ensuring your investment works harder - for life

Our buy to let mortgage experts will ensure your investment is in safe hands.

Whether you’re planning to rent out a single property or you are investing in a portfolio of properties to let out to tenants, then by law you will need a buy to let mortgage rather than a standard residential mortgage.

There are a number of options to choose from when it comes to buy to let, and the right one will depend on your personal circumstances.

Interest only, repayment, variable rate or fixed rate are mortgage terms you have probably heard about as a property owner. But there can be other factors to consider when you’re choosing a buy to let mortgage, which will help you protect your investment. At PWM, our experienced mortgage advisers are always fully informed about the many mortgage options, lenders and rates available for buy to let property owners. This means we can help you to ensure you completely understand your choices and take out the most appropriate and cost-effective home loan for your specific needs.

It’s crucial that you make well-informed decisions about the deposit you contribute and the amount you can afford to repay on your investment property, especially if it is an additional home. For example, you will need to ensure you have enough rental income to cover your mortgage, any fees associated with managing your property and allow for any potential maintenance costs.

The buy to let process can be complicated and time-consuming. Our mortgage advisers have the experience and advice to guide you through it step by step. We’ll help you assess affordability and the risks you may face, including covering your repayments if you can’t find a tenant. We’ll also handle as much of the paperwork as we can on your behalf and respond to any queries or questions raised by your mortgage provider.

To ensure the buying and running of your buy to let property goes as smoothly as possible, we offer a range of additional services. We work with a variety of carefully selected and trusted partners, such as conveyancing specialists and accountants, who can help you to manage your rental income and ensure your property investment is more secure.

Call us on 01403 270006 to discuss your personal circumstances and options for securing the ideal buy to let mortgage to suit your needs.

Please note: The Financial Conduct Authority does not regulate some forms of Buy to Let.

What You Say

Private Wealth were extremely helpful and professional, making the whole process less stressful with good communication

Will and Hayley, Guildford

Mortgage Calculators

How much will it cost?

A guide to the monthly repayments on your mortgage, subject to affordability checks

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How much can I borrow?

A guide to the amount of money a lender could offer for your purchase, subject to certain checks

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How much stamp duty will I pay?

A guide to the amount of money you will pay in property tax on your purchase

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Buy to let mortgages FAQs

If you’re considering a buy to let mortgage and have never been through the process before, there may be many answers you require to make the best choice. Below you’ll find a selection of helpful questions and answers to guide you. If you can’t find the answer to your question, or you would like to discuss suitable mortgage products, we are always happy to help. Just give us a call and speak to one of our friendly mortgage advisers.

Call PWM today on 01403 270006 to discuss the buy to let mortgages that are suitable for you. Our qualified mortgage brokers take the time to understand your own individual circumstances.

This includes finding out your reasons for investing in buy to let as well as your long term objectives, helping us present you with the very best products on the market for you.

Our People

Mandy Smith

Mortgage and Protection Adviser

Mandy started her career working for Nationwide, and brings 25 years of experience to help her clients achieve their plans and goals.

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Call our expert mortgage advisers today

01403 270006
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