Buy-to-Let Mortgages for Landlords & Limited Companies
Whether it’s your first property investment or your fifteenth, the right structure now could make a real difference to what you keep later.
Your Home/Property May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Getting the Structure Right From Day One
We advise landlords on buy-to-let mortgages, limited company structures, HMO lending and portfolio remortgaging.
Buy-to-let lending has its own rules, and getting the structure right from the start, rather than defaulting to whatever’s quickest, could make a genuine difference to your returns.
The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.
What Could Your Portfolio Actually Look Like?
We’ll look at your current holdings or plans, your income position, and whether a limited company structure, HMO lending, or portfolio remortgaging would work harder for you than what you’ve got now.
Every Landlord's Situation Looks Different
Whatever stage your portfolio’s at, we’ll help you understand the structures available and what each one could mean in practice.
Limited company buy-to-let
A structure some landlords choose, with lending criteria that works differently to personal ownership. We’ll talk you through how it affects your mortgage options, though we’re not able to advise on the tax implications, that’s something we’d always recommend checking with an accountant or tax adviser.
HMO mortgages
Houses in multiple occupation come with specific lending requirements and often stronger yields, a specialist corner of the market worth proper advice.
Interest-only buy-to-let
Most buy-to-let mortgages are arranged this way, keeping monthly costs down while you plan for the eventual sale or refinance.
Portfolio remortgaging
If you’re managing several properties, bringing them together under one coordinated strategy could simplify your finances and free up capital.
The personal service made a real difference.
I couldn’t recommend this mortgage broker highly enough. They found me a fantastic deal that has saved me money, and the whole process was handled quickly and professionally from start to finish. Communication was excellent throughout, with prompt responses even outside of normal working hours.
Building the Right Structure
As an experienced mortgage and protection broker, Taylor-Brown Financial compares limited company, HMO and standard buy-to-let lending across our wide panel of lenders, not a shortlist, so you end up with the structure that suits your portfolio, not the one that’s easiest to sell. Here’s how we get you there.
We review your
portfolio or plans
Including how your properties are currently structured.
We compare lenders
across the market
For limited company, HMO or standard buy-to-let lending.
You get a clear
recommendation
with the reasoning explained, not just a rate.
Why Landlords Stick With Us
Residential Lending
Specialist knowledge of limited company, HMO and portfolio structures, not just standard residential lending.
Complex Portfolios
Comprehensive market comparison, including lenders genuinely comfortable with complex or growing portfolios.
Structure Advice
Straight talk on the trade-offs: we’ll say when a limited company isn’t worth it, not just arrange one anyway.
Support As You Grow
An ongoing relationship as your portfolio grows, not a one-off transaction.
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of the claim, declining to pay all the claim and possibly declaring the policy invalid.
Protecting the Investment, Not Just the Income
Buildings & contents insurance, and for some landlords, income protection, are worth factoring in alongside the mortgage itself, particularly if rental income supports your own outgoings too.
Frequently Asked Questions
Is it better to buy a rental property through a limited company?
It depends on your income tax position, how many properties you hold, and your long-term plans. There’s no single right answer, which is why it’s worth a proper conversation before deciding.
How much rental income do I need for a buy-to-let mortgage?
Lenders typically want the rent to cover somewhere between 125% and 145% of the mortgage payment, depending on your tax status and the lender’s own calculations. We’ll check this against the specific property before you commit to anything.
Can I get a mortgage for an HMO property?
Yes, though not every lender offers HMO mortgages, and criteria vary considerably. We can point you towards lenders genuinely comfortable with this type of let.
Is buy-to-let mortgage interest still tax-deductible?
Since 2020, landlords who own property personally can no longer deduct mortgage interest from rental income before tax; instead, they get a tax credit at the basic rate. It’s one of the main reasons landlords consider a limited company structure, though it’s worth getting proper tax advice alongside our mortgage advice, since we’re not accountants.
How much deposit do I need for a buy-to-let mortgage?
Most buy-to-let lenders ask for at least 25% deposit, sometimes more for HMOs or limited company purchases. The exact figure depends on the lender, the property type and your wider portfolio, so we’ll confirm what’s realistic for your situation rather than working off a generic percentage.
Can I convert my residential mortgage to a buy-to-let mortgage?
Yes, if you want to let out a property you currently live in, you’ll usually need consent to let from your existing lender, or a full remortgage onto a buy-to-let deal. We can help you work out which applies and when.
Can first-time buyers get a buy-to-let mortgage?
It’s possible, though options are more limited and some lenders won’t consider it at all. We can point you towards lenders who will, and talk through whether it’s the right route for you as a first purchase.
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