A buy-to-let mortgage is a loan for purchasing or refinancing residential property which is intended to be let to tenants rather than lived in by the borrower. Rates and fees are typically higher than those you would find with a standard residential mortgage.
Whether it’s your first investment property or another addition to your portfolio, James Leighton buy-to-let mortgage advisers are available to provide advice and help you find the most suitable loan.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy-to-let mortgages are not regulated by the financial conduct authority.
Get in touch to discuss your investment plan with an experienced buy-to-let mortgage adviser.
Get in touch
Get in touch
James Leighton mortgage advisers are highly experienced in helping property investors secure a suitable buy-to-let (BTL) mortgage for their property purchase. We have experience assisting in a range of situations, from first-time buyers to seasoned property investors securing property purchases of varying values.
Getting the most suitable BTL mortgage can help investors like you generate greater rental yields from your investment. Working with one of our specialised buy-to-let mortgage advisers will help maximise your returns. We can ensure you consider the most suitable options and sometimes can even access exclusive BTL mortgage deals.
Speedy and efficient process
We understand that property investors are busy people. Thanks to our carefully crafted, and continually improving, customer journey, “The James Leighton Way”, our objective is to save you both time and money. Whether you are a seasoned portfolio investor or a first-time landlord, let us do the heavy lifting.
Tailored buy-to-let advice
Our buy-to-let experts will carry out an assessment of your entire financial circumstances to make sure that the mortgage solutions we recommend are optimised and synchronised. We’ll help you manage and grow an existing BTL portfolio or build one from scratch. Our objective is to minimise the hassle and maximise yield.
Professional and whole of market guidance
James Leighton is a whole of market brokerage, with access to over 90 lenders, including BTL specialist lenders and packagers. We also offer exclusive BTL products via the Quilter Financial Planning network, one of the country’s largest mortgage networks. We are privately owned and offer 100% whole of market advice.
Case Management Team
Unlike many brokerages, our Case Management team is here to support you every step of the way. They handle document gathering, adviser appointments, liaising with lenders and solicitors and will keep you updated at all times — all at no cost to you!
Free and whole of market
James Leighton provides a free mortgage service to clients nationwide. We search the whole of market for mortgages.
As a landlord, you’ll have legal obligations towards your tenants. This includes ensuring the property meets health and safety standards, protecting the tenant’s deposit in a government-approved scheme and providing an Energy Performance Certificate (EPC). Failure to comply can result in penalties.
Remember, every investment comes with risks and potential rewards. It’s crucial to do thorough research and consider seeking advice from an experienced BTL mortgage adviser.
Understanding the market
The UK buy-to-let market can be lucrative but it’s important to understand the dynamics before investing. Research the property market, rental yields and tenant demand in your chosen area. Consider economic factors such as interest rates and housing regulations that could impact your investment.
Calculating the financial viability and profitability of a buy-to-let property is critical. This includes the initial deposit, mortgage repayments, insurance costs, taxation, property maintenance expenses and accounting for potential rental “voids”.
Let us do the hard work for you
Navigating the buy-to-let mortgage market can be complex and time-consuming, especially when compared to standard residential mortgages. That’s where we come in. As expert BTL brokers, we add value by taking the time to understand your unique circumstances, existing property portfolio and your short, medium and long-term objectives. We then use this information to find and secure the right mortgage deals for you. We handle all the paperwork and liaise with lenders, developers, estate agents and solicitors on your behalf. Our goal is to make the process as smooth and hassle-free as possible, allowing you to focus on growing your property investment portfolio.
What is a buy-to-let (BTL) mortgage?
How does the deposit for a BTL mortgage work?
The deposit for a BTL mortgage is typically larger than for a standard residential mortgage. This is often 25% of the property’s value but can range from 20-40%. The size of the deposit can affect the interest rate and terms of the mortgage.
Who can get a BTL mortgage?
BTL mortgages are typically for landlords and property investors, both individuals and companies. Lenders look at potential rental income, personal income, credit history and age, among other factors. Some lenders may require you to own your own home or have a certain number of existing properties.
of total gross mortgage advances were occupied by buy-to-let mortgages in Q2 of 2022*.
This equates to equates to £10.6 billion of lending.
The data reveals that there is still a high level of demand for BTL mortgages among property investors.
"We take pride in providing exceptional service to our buy-to-let clients, demonstrating our commitment to innovative solutions for unique needs."
Dan joined the team in September 2020. He derives great satisfaction from educating his clients and changing their perspectives on mortgages and how they relate to their lifestyles.
What our customers say
I cannot stress enough how AWESOME JLFS are. My application was quite complicated but JLFS have made it so easy that I couldn't believe I got the mortgage in just a week. TOP TOP TOP quality.