Expert Buy-to-let mortgage advice for property investors from Hay-House.
BUY-TO-LET MORTGAGE EXPLAINED
Whether you’re in Aberdeen, London, or anywhere in the UK, our expert team provides clear, friendly buy-to-let mortgage solutions.
Buy-to-let mortgages are a crucial tool for anyone looking to invest in rental property. Whether you’re a first-time landlord or expanding your portfolio, the right buy-to-let mortgage can make all the difference. At Hay-House Financial Services, we specialise in a wide range of buy-to-let mortgage solutions, including standard lets, holiday rentals, HMOs, and limited company buy-to-lets.
At Hay-House Financial Services, we’re here to simplify the process and help you make informed, confident investment decisions.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.
A buy-to-let mortgage is designed for people purchasing property to rent out, not to live in. These mortgages differ from standard residential loans and often include:
- Rental income-based affordability
- Higher deposit requirements (typically 20–25%)
- Interest-only options
- Availability to both individuals and limited companies
Our expert advisers will guide you through the application process and help you access the most competitive deals available.
Types of Buy-to-Let Mortgages we offer
Standard Buy-to-Let
Ideal for landlords renting out one or more properties. We help you:
- Secure the best deal based on your income and rental yield
- Understand lender stress tests and tax considerations
- Navigate remortgaging and new purchase options
Holiday Let Mortgages
If you’re interested in short-term rentals or Airbnb-style lets, we offer specialist buy-to-let mortgage advice tailored for:
- Properties with seasonal income
- Lender criteria for location and personal use
- Managing fluctuating cash flow from holiday lets
HMO Mortgages (Houses in Multiple Occupation)
HMO properties often deliver higher rental yields but involve more complexity. We assist with:
- Mortgage options for both small and large HMOs
- Compliance with local authority licensing
- Maximising income through room-by-room rentals
Limited company buy-to-let mortgage
Many investors choose to operate through a Special Purpose Vehicle (SPV). This route can offer tax benefits and portfolio flexibility. We help you:
- Compare personal vs. company borrowing options
- Set up an SPV if required
- Access lenders who specialise in limited company buy-to-let mortgages
Important to Know:
- Rates for company mortgages may be slightly higher
- You must have an SPV (not a trading business)
- Professional tax advice is recommended
Can I buy a property through a limited company?
Yes, and it’s becoming increasingly common. We’ll help you decide if it suits your tax and investment.
What’s the difference between holiday lets and standard buy-to-let?
Holiday lets involve short-term tenants and seasonal income, requiring specialist lenders and products.
Do I need an HMO license?
In most areas, yes. Local requirements vary, and we’ll guide you through what’s needed for your property.
Is a limited company right for me?
It depends on your financial goals. We work closely with your accountant to help you make the best decision.
Why choose Hay-House Financial Services for a buy-to-let mortgage?
- Experts in standard, holiday let, HMO, and limited company buy-to-let mortgages
- Access to specialist and mainstream lenders
- Tailored guidance for both new and experienced landlords
- End-to-end support from paperwork to completion
- Honest, jargon-free advice to help you invest wisely
Ready to grow your property portfolio?
Whether it’s your first investment or your tenth, our expert buy-to-let mortgage advisers are here to help. Contact Hay-House Financial Services today for expert advice.
Call us on 07502 523238 or Email sl@hay-house.co.uk to book your consultation today for expert, financial advice you can trust.