🏘️ 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