Making a wise investment work harder

We can help you choose the best buy to let mortgage from a wide range of options as well as assessing your affordability, ensuring you protect your investment in property.

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If you rent out a property or a portfolio of properties to tenants, you must have 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 Private Wealth Mortgages, our experienced advisers keep up to date with the many mortgage options, lenders and rates available for buy to let property owners. That means we can help you take out the most appropriate and cost-effective home loan.

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 this is an additional home. For example, you need to ensure you have enough rental income to cover your mortgage, any fees associated with managing your property and possible maintenance costs.

Our mortgage advisers have the experience to guide you through the buy to let process, which can be complicated and time consuming. We’ll help you assess affordability and the risks you may face, such as difficulty 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.

There are additional services you might need to make the process of buying or running a buy to let property go as smoothly as possible. That’s why we work with trusted partners such as conveyancing specialists and accountants, who can help you manage your rental income and ensure your investment in property is more secure.

Call us on 01403 270006 to discuss your personal circumstances and options when it comes to choosing a buy to let mortgage.

What You Say

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

–Will and Hayley, First Time Buyers, 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 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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Our People

Neil Powney

Mortgage & Protection Adviser

Neil Powney brings over 10 years’ experience as an independent mortgage and protection product adviser. Neil deals with all aspects of the role including purchases, remortgages, additional borrowing and buy to let mortgages.

Mandy Smith

Mortgage & Protection Adviser

Mandy started her career in the finance sector for Nationwide in 1991. After working as a branch manager Mandy concentrated on the mortgage market and became an independent mortgage adviser based in London. With 25 years of experience, Mandy has accumulated a huge portfolio of happy clients who always return for more help with their lending as well as regularly recommending her services to new clients.

Jay Blackman

Mortgage & Protection Adviser

Jay has worked in the property industry for 15 years in different roles including property rentals, management, consultancy and staff training. He obtained his CeMAP qualifications and became an independent mortgage advisor in 2008. He has built strong relationships with a number of property developers, portfolio landlords, private banks, accountants and financial advisors.

Jenny Tunnicliffe

Mortgage & Protection Adviser

Jenny joined the team in August 2016 after taking a career break to travel the world. She currently works closely with Salli and her clients and deals with all aspects of mortgage and protection advice. Jenny also works with introducers to the company and is already receiving recommendations from existing clients.

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Registered in England & Wales, no 5603163
Private Wealth Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FCA Number: 445980

Private Wealth Mortgages Ltd, Hillreed House, 54 Queen St, Horsham, West Sussex, RH13 5AD

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