Buy to Let Mortgages

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Helping landlords get the right mortgage

The Buy to Let market is a specialist market and we recognise the needs of the experienced professional investor as well as the new landlord looking to start out.

Mortgage advice you can trust

With a Buy to Let mortgage, you will take out a mortgage on a property that will then be rented out. Like residential mortgages, Buy to Let mortgages are even more perplexing, with each bank or building society having their own definitions and criteria. Given the ongoing changes within the property market, Fairview Financial can provide invaluable advice. You may be an experienced landlord looking to purchase through a limited business or you may be a first-time landlord , we can help and advise in all cases.

We have whole of market access and work high-street lenders as well as specialist lenders for the Buy to Let market.
With our extensive experience in the mortgage industry we will be able to pair you with the most suitable lender and find you a cost-effective deal based on your specific requirements.
We will guide and support you through the entire process and liaise with all the parties involved on your behalf: the lender, the estate agents, the solicitors and valuers, whilst always keeping you updated.
At Fairview Financial we are committed to honesty, clarity and integrity. Our success depends on your satisfaction and we are proud of the incredible feedback we receive from our clients and our exemplary reputation in the financial sector.

Find the right Buy to Let mortgage

WHAT SETS US APART

Why Clients Choose Fairview Financial

Access to the Whole Market

As independent brokers, we’re not tied to any lender. We search the whole of the mortgage market, working with over 90 lenders and thousands of products, to find the right solution for your circumstances.

Experience Where It Matters

Our team brings decades of combined experience, including complex cases many brokers avoid. Every recommendation is fully independent and based on what’s right for you, not what’s easiest.

Personal Support from Start to Finish

You’ll never be passed around. From your first enquiry through to completion, you’ll have a dedicated broker and case manager handling the paperwork, chasing progress, and keeping things moving.

Your Information, Securely Handled

Your data matters. Our encrypted client portal lets you upload documents and track your application securely, giving you peace of mind at every stage.

Advice That Fits Your Schedule

Mortgages don’t always fit into office hours. That’s why we offer flexible appointments, including evenings and Saturday mornings, so you can get advice when it suits you.

Trusted by Hundreds of Clients

With over 400 five-star reviews, our reputation is built on clear advice, honest conversations, and results. Clients recommend us because we put their interests first, every time.

Main considerations about Buy to Let mortgages

It is worthwhile being aware of the following main differences between residential mortgages and Buy to Let mortgages:

Often Buy to Let mortgages are arranged on an interest-only basis. This means that you will not pay off any capital in the monthly repayments and would need to repay the mortgage loan in a lump sum at the end of the mortgage, often by selling the property.

Interest rates on Buy to Let mortgages are usually a little higher than residential loans. If you purchase through a limited company, rates can be higher again but with potential tax benefits.

Unlike a lot of residential mortgage rates, you will be required to put down a bigger deposit, usually in the region of 25%. Fairview Financial work with you to find the right rate with the right deposit.

How much you can borrow will be based on the earning potential and profitability (i.e. the rental income) and sometimes your earned income. The rent must more than adequately cover the monthly mortgage payments. Every lender has its own unique formula and some will lend more generously. Fairview Financial will help to determine who to use on this basis.

As a landlord you are taxed differently. You have to pay additional Stamp Duty when you buy your property and income tax on the rental income. Furthermore, when you eventually sell the Buy to Let property, you may have to pay Capital Gains Tax. Information is based upon our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

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Why use a Buy to Let mortgage broker?

Rental properties can be a great investment, if done properly because they can be a good source of ongoing profit. But if you want to make the most of you investment, it is essential to find the right mortgage and this is where we come in! So why should you use a broker?

A broker has access to more mortgage deals. Some lenders do not accept applications directly from applicants and require that you use a broker. We can research your mortgage from the whole of market including specialist Buy to Let lenders.

The Buy to Let mortgage market is complex and ever-changing, especially if this is your first property venture. We will explain how these mortgages work and support you through the whole process, from research, though application and until you get the keys for your new investment property.A broker has the experience and knowledge to pair you with the right lender, based on your requirements and the lender's specific criteria, saving you time and hassle in the process.

As with any investment, buying a property does carry risks, so it is important to speak to a broker to make sure you are clear where the pitfalls may lie.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. SOME FORMS OF BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Let's find you the right mortgage

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

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Our Fees

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.