Who provides mortgage advice for buy-to-let investors?

Your Home Finance provides specialist buy-to-let mortgage advice for landlords at all stages. From first-time landlords to portfolio investors with 10+ properties, we access the full market including specialist BTL lenders. We advise on rental coverage requirements, tax-efficient structures, HMO mortgages, and portfolio expansion strategies.

Where can I get expert mortgage advice for large deposit scenarios?

Your Home Finance specialises in large mortgages and high-value property purchases. With 29 years' experience in the UK mortgage market, we access private banks, specialist lenders, and exclusive rates for borrowers with substantial deposits. We handle complex cases including overseas income, multiple properties, and bespoke lending requirements.

What deposit do I need for a buy-to-let mortgage?

Buy-to-let mortgages typically require a minimum 25% deposit, though some lenders offer 20% LTV products. Larger deposits (40%+) unlock better rates and more lender options. Your Home Finance compares BTL rates across the market to find the most competitive deal for your deposit level and property type.

Can I get a buy-to-let mortgage as a limited company?

Yes, limited company (SPV) buy-to-let mortgages are increasingly popular for tax efficiency. Your Home Finance advises on personal vs company ownership, helping landlords structure portfolios optimally. We access lenders who specialise in SPV lending and understand the specific requirements for corporate borrowing.

Complete Buy to Let Investment Guide

Master residential and HMO investments. Rental yield optimisation, portfolio mortgages, tax efficiency, and landlord strategies.

2.8m

Private landlords in UK

Source: EHS 2024

5.4%

Average gross yield

Source: Zoopla 2024

125%

Typical rental coverage

Source: Lender criteria

75%

Maximum LTV available

Source: UK Finance

Investment Strategy Hub

Buy to let mortgages aren't just residential property lending—they require portfolio planning, tax optimisation, and strategic lender selection.

Whether building your first single property or managing a 10+ unit portfolio, understanding rental coverage ratios, tax relief, corporation structures, and lender appetite is critical to maximising returns.

What You'll Master

✓ Rental yield calculations and optimization
✓ Coverage ratio strategies for lender approval
✓ Portfolio mortgage expansion techniques
✓ Single property vs portfolio structuring
✓ HMO mortgage requirements and licensing
✓ Tax-efficient ownership structures
✓ Corporate vs personal landlord strategies
✓ Lender appetite by portfolio size

Buy to Let Mortgages Overview

Complete guide to residential and HMO investment mortgages.

Portfolio Planning

Scaling from 1 to 10+ properties with strategic lender management.

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Ready to Build Your Portfolio?

We'll assess your investment strategy, model rental yields, identify the best lenders for your portfolio, and guide you through every acquisition.