BUY TO LET

Buy to let, done properly.

First rental or growing portfolio – I’ll find the lenders who like your numbers.

★★★★★ 5.0 from 95 Google reviews

Investment property, without the guesswork

Buy-to-let lending has its own rules: rental coverage calculations, different deposit requirements, and big differences between lenders in how they treat personal vs limited company ownership.

I’ll help you understand what you can borrow, what the numbers need to look like, and which of the 80+ lenders on my panel actually suit your situation – whether it’s your first rental property or your fifth.

Why Easy Mortgages?

★★★★★
5.0 from 95 Google reviews

Try my mortgage calculators →

I search over 80 of the UK’s lenders to find your best deal

Your questions, answered

How much deposit do I need for a buy-to-let?

Typically more than a residential mortgage – often around 20-25%. The exact figure depends on the lender and the expected rental income.

How much can I borrow on a buy-to-let?

It’s driven mainly by the expected rent rather than just your income. Lenders want the rent to comfortably cover the mortgage payments. I’ll run the numbers with you.

Should I buy in my own name or through a limited company?

It depends on your tax position and long-term plans. I’ll explain how lenders treat each route; for the tax side I’ll always suggest you speak to an accountant too.

Can I get a buy-to-let mortgage if I don’t own my own home?

Some lenders will consider it. It’s more specialist, which is exactly where a broker earns their keep.

Don’t take my word for it

★★★★★ 5.0 from 95 Google reviews

      EXCELLENT  
   Based on 95 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Alan Birchmore 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had been recommended Charles at Easy Mortgages for our next mortgage. We are so glad we have taken the recommendation. Charles made the whole process easy, provided great advice and made it seemless. He spent time with us discussing our options clearly, even with a possible move thrown in. Would recommend Charles at Easy Mortgages every time.
  
 
      Posted on Google  
   
   Diane Hopping 
 
 
 
 Trustindex verifies that the original source of the review is Google. Charles is friendly and professional.  Easy is definitely the word I would use to describe the process of additional borrowing on our Mortgage.  Charles went above and beyond to fulfil our borrowing needs.  We highly recommend him and look forward to working with him again.
  
 
      Posted on Google  
   
   Carol Weeks 
 
 
 
 Trustindex verifies that the original source of the review is Google. Expert, friendly and professional service. Charles was excellent, my case wasn't the easiest however he found me a great deal and stuck with me until it was approved. Brilliant service
  
 
      Posted on Google  
   
   ryan parker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Got my initial mortgage with charles 2 years ago Renewed with charles as per last time he was very helpfull cost effective and friendly  and helpfull
  
 
      Posted on Google  
   
   Louisa Greenslade 
 
 
 
 Trustindex verifies that the original source of the review is Google. We used Charles at Easy Mortgages to help get a great deal on our new mortgage! Charles couldn’t have been more helpful and certainly worked hard for us to get the best deal in challenging times! He stayed late to submit our paperwork and chased our offer when needed! We are very grateful! Thank you 🥰
  
 
      Posted on Google  
   
   Kelly Howard 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Charlie. He was friendly, very helpful and made the whole process easy. Charlie is so knowledgeable and explained all our options to us. I'm so glad we found him. Fantastic service.
  
 
      Posted on Google  
   
   Elizabeth Keates 
 
 
 
 Trustindex verifies that the original source of the review is Google. Charles is consistently professional, knowledgeable and genuinely committed to helping people make the right decisions. He takes the time to understand individual circumstances and offers clear, honest guidance, which is rare and very valuable in this industry. If you are looking for someone trustworthy and reliable to speak to about your mortgage options, Charles is absolutely someone I would suggest you connect with.
  
 
      Posted on Google  
   
   Chris Armstrong 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a really tricky remortgage to do. Some consolidation, paying off a HTB loan on the property, a house in a private road with various TP1 issues missing from the docs filed at Land Registry, Overage rights on the communal land we own that nobody knew about. Not only did Charles get me the mortgage I needed but helped me navigate the above with the conveyancer. There is a reason he is winning awards!!!
  
 
      Posted on Google  
   
   Diane Calvert 
 
 
 
 Trustindex verifies that the original source of the review is Google. Can’t recommend Charlie highly enough. He is  a good listener, very professional, knowledgable and caring. He is reliable and follows things through to completion. Thank you Charlie!!!
  
 
  
  
 
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