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Buy-To-Let

🏘️ Buy-to-Let Mortgages Made Easy

Thinking of becoming a landlord? Already own investment property and want to expand your portfolio? We can help you secure the right Buy-to-Let mortgage, even if your situation is outside the mainstream.

At Af & Associates, we work with a wide range of lenders — including specialist lenders — to help you finance single lets, HMOs, multi-unit blocks, and more.
 

💡 What Is a Buy-to-Let Mortgage?

A Buy-to-Let mortgage is designed for people buying a property to rent out, not to live in. It works differently from a standard residential mortgage — lenders look at the rental income, not just your personal income, to assess affordability.
 

🧩 When Might You Need a Specialist Buy-to-Let Lender?

Not everyone fits the “vanilla” profile. You may need a specialist lender if:

  • You only have a small deposit (15–20%)

  • You're self-employed or retired

  • You want to buy through a limited company (SPV)

  • The property is a HMO, above commercial premises, or needs work

  • You have a poor credit history or previous mortgage issues

  • You're an expat or overseas landlord

Don’t worry — we work with lenders who are happy to consider these scenarios and more.
 

🏠 What We Can Help You Finance

  • Single buy-to-let properties

  • HMOs (Houses in Multiple Occupation)

  • Multi-unit freehold blocks

  • Limited company / SPV purchases

  • Refurb-to-let and bridge-to-let deals

  • Portfolio landlord finance (4+ properties)

Whether you're buying your first rental or growing a portfolio, we've got you covered.
 

📋 What You’ll Need

To get started, you’ll typically need:

  • Deposit (usually 20–25% minimum)

  • Proof of income (for some lenders)

  • Rental estimate or existing tenancy info

  • Property details and value

  • Your credit and ID documents

We’ll guide you step by step and prepare a strong case to get you the best terms possible.
 

⚠️ Things to Keep in Mind

  • You’ll usually need a higher deposit than a residential mortgage

  • Most lenders expect the rental income to cover the mortgage payments (stress-tested)

  • If the property needs work, you may need a bridge-to-let or refurbishment loan

  • Specialist lenders may offer more flexibility, but rates and fees can vary
     

🤝 Why Choose Us?

  • ✔️ Access to high street AND specialist lenders

  • ✔️ Experience with limited company, HMO, and portfolio lending

  • ✔️ Transparent, honest advice – no jargon

  • ✔️ Quick decisions, with a personal touch
     

📞 Let’s Talk About Your Investment Plans

Whether it’s your first rental or your fifteenth, we’ll help you finance it with confidence.

👉 Give us a call 02085307170

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments 

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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

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AF & Associates Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 917946. AF & Associates Ltd is an authorised credit broker and not a lender. We work with a an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration.

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ICO registration ZA750651 and you can check via www.ico.org.uk.

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We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

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The Financial Conduct Authority does not regulate some forms of Commercial Mortgages & Loans. We are a Credit Broker not a Lender

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Privacy Notice

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Registered in England and Wales Company No. 12336442

Registered Office:3 The Shrubberies, George Lane, South Woodford, London, E18 1BD 

Telephone : 020-8530-7170

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©AF & ASSOCIATES LTD. All Rights Reserved.

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