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Get the best return on your buy-to-let investment
With the buy-to-let marketplace getting more and more complicated – with more and more government restrictions to consider – you need the best advice on your mortgage to navigate your way towards a profitable set-up.
How we work
There are many reasons to be a buy-to-let landlord. We sit down with you and work to understand your exact motivation and therefore your precise needs. Do you want your property or properties to give you a decent regular monthly income, or are you more interested in its or their long-term gain in value?
What is your financial situation? In broad terms, are you looking for income replacement or for a pension supplement?
Or are you perhaps contemplating a holiday let – a property that you rent out (Airbnb?) for most of the year, but where you and your family spend Christmas and three weeks in the summer? Or do you really want a property that you rent out for the next ten years and then retire to?
Are you a builder or DIY enthusiast, someone who wants to buy a property – or a string of properties – in need of refurbishment, modernisation or extension, with a view to doing £50,000 worth of work, say, to net £100,000 extra on resale?
Are you a parent whose child is off to university, and you’re looking to purchase a house of multiple occupancy to let out to them and their friends – where the friends’ rent covers the entire mortgage?
How we can help you
Most people are bemused by the range of mortgages available, what all the terms mean, and – bottom line – what you can realistically afford, while still having a life, so to speak. We can sit down with you – from as early in the process as you like – and explain everything.
We can explain the terms; we can describe your options; we can advise you on the pros and cons of each course of action.
And when you are ready to take the big step, we will guide you through every decision, help you with every piece of paperwork, and give you the peace of mind that you are on the right track.
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same lender. Independent means that we can offer every kind of product from every lender.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 25 experienced advisers for the more obscure questions
- Access to every type of mortgage from every lender – we are truly independent
- By your side all the way – to the moment you move in and beyond
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisers as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your mortgage and equity release team member
Nikki Pilling
Mortgage and Later Life Lending Adviser
Nikki has been in financial services since 1997. She was in retail banking and got made redundant in 2018. She joined Dave at Compass in 2018, and then joined him at Protection and Investment in 2024. Since 2003, Nikki has specialised in Later Life Lending, including lifetime mortgages. She admits to being passionate about the difference that Later Life Lending can make to people’s lives. She has two boys, calls herself a football mum, and her favourite family member is Mabel, the fox-red labrador!
"We couldn’t be happier with the service Nikki provided throughout our mortgage journey. From the very beginning, Nikki was incredibly supportive. She made what could have been a stressful process feel smooth and straightforward."
Billy & Olivia
FAQs
How much can I borrow?
Instead of multiplying your salary, lenders use an Interest Coverage Ratio (ICR). They typically require your monthly rental income to be 125-145% of the monthly mortgage interest payment.
How large of a deposit do I need?
You will generally need a deposit of at least 25% of the property’s value. While some specialist lenders may accept 15-20%, a 25% or larger deposit will provide access to significantly lower interest rates and better deals.
Should I choose Interest-Only or Repayment?
Most BTL mortgages are set up on an interest-only basis. This means your monthly payments only cover the interest, keeping your costs down and boosting immediate cash flow. However, the original loan amount remains to be paid in full at the end of the mortgage term, usually by selling the property.
Can I get a Buy-to-Let mortgage if I don't own a home?
Yes, but it can be more difficult. Many mainstream lenders require you to already own your own residential home (either with a mortgage or owned outright). If you are a first-time buyer, you will have fewer options and may need to look for specific “first-time landlord” products.
Can I buy through a Limited Company?
Yes. Many landlords purchase properties through a Special Purpose Vehicle (SPV) limited company to take advantage of potential tax efficiencies. Keep in mind that company BTL mortgage rates may differ, and directors are typically required to provide personal guarantees.
What are the key eligibility requirements?
Aside from a sufficient deposit and rental yield, most lenders will look for a good credit history, a minimum personal income, and you usually need to be at least 21 years of age, with the mortgage term ending before you reach 75-100.
Do I need a broker?
While not mandatory, using a specialist BTL broker can save significant time and money. They can help you navigate complex stress tests and find the best rates across the wider market.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
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