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Buy-to-Let Mortgage

  • Expert Advice for New & Experienced Landlords
  • Access to a Wide Range of Buy-to-Let Lenders & Rates
  • Tailored Guidance to Help You Build or Grow Your Property Portfolio
Get in touch for a free, no-obligation chat about how we might be able to help you.
0115 773 4648

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Buy to Let Mortgage

Investing in property can be a powerful way to grow your wealth, but finding the right buy-to-let mortgage can be complex. At L & K Financial Ltd, we specialise in helping landlords secure suitable mortgage deals, whether it’s your first rental property or part of a larger portfolio.

Why choose us for your buy-to-let mortgage?

  • Tailored advice – We understand the differences between individual landlords, portfolio landlords, and limited company structures.
  • Access to a wide range of lenders – Not all lenders offer the same deals, especially for larger portfolios or limited company ownership.
  • Clear guidance – We explain the process and requirements in plain English, so you always know what to expect.
  • Support beyond the mortgage – We can help you review insurance, protection, and tax planning relevant to your property investment.

Who we help

  • First-time landlords – Those purchasing their first rental property.
  • Portfolio landlords – Investors with multiple buy-to-let properties, who may have specific lending requirements.
  • Limited company buy-to-lets – Property investors holding assets through a limited company structure, including directors and shareholders.
  • Professional landlords and contractors – We can advise on the implications for income assessment and tax efficiency.
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It’s a mortgage broker’s job to find the most suitable deal for you and your circumstances.
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0115 773 4648
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How we help buy-to-let clients

  • Assess your rental income, expenditure, and affordability to identify the best mortgage options.
  • Advise on the most suitable mortgage type, including fixed, variable, interest-only, and capital repayment options.
  • Compare deals across multiple lenders, including specialist lenders for portfolios or limited company ownership.
  • Guide you through the application process, managing communications with lenders and solicitors.
  • Provide ongoing support for portfolio growth, helping you review existing mortgages and explore new investment opportunities.

Making property investment simple

Whether you’re buying your first rental property or expanding a large portfolio, L & K Financial Ltd ensures you have expert guidance at every step. From identifying suitable mortgage deals to reviewing your long-term strategy, we make property investment straightforward and stress-free.

Ready to discuss your buy-to-let options?


Contact us today for a friendly, no-obligation chat about your property investment mortgage.

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Buy-to-Let Mortgages FAQs

A portfolio landlord is someone who owns multiple rental properties. Lenders often have different criteria for portfolio landlords, including limits on the number of mortgaged properties and rental income requirements. We can guide you through the rules and help you access the most suitable deals.

Yes. Many landlords hold properties through a limited company for tax efficiency or liability reasons. Some lenders specialise in limited company buy-to-let mortgages, and we can help you identify the best options for your structure.

Not necessarily. Lenders offer both interest-only and repayment (capital + interest) options. Interest-only can reduce monthly payments but requires careful long-term planning. We’ll help you choose the right type for your investment strategy.
Lenders typically use projected rental income to assess affordability, usually requiring it to cover a percentage of your mortgage payments. We’ll calculate this accurately to maximise your borrowing potential.
Yes, each lender sets its own portfolio limits, and criteria can vary for personal ownership vs limited company ownership. We’ll advise on lenders that can accommodate your current portfolio and future growth plans.
Typically, buy-to-let mortgages require a larger deposit than residential mortgages — often 20–25% depending on the lender, property type, and your portfolio size. We’ll help you understand what’s needed and identify suitable lenders.
While not mandatory for the mortgage, landlord insurance, buildings and contents cover, and other protection can safeguard your property and income. We can provide guidance or referrals to trusted providers.

Think carefully before securing other debts against your home. 

Your home may be repossessed if you do not keep up with your mortgage repayments.

You may have to pay an early repayment charge to your existing lender if you remortgage.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages.