Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Buying your first rental property? Adding to your portfolio? Remortgaging an existing buy to let? At AB Mortgages we make buy to let mortgage advice clear, fast and properly tailored to your strategy, whether you're a first-time investor in Essex, a portfolio landlord in London, or an expat funding UK property from abroad. We arrange buy to let mortgages every working day across the whole UK lender market, including the specialist BTL lenders most landlords have never heard of.
Applying to a lender whose ICR maths simply doesn't fit your property's rental yield, then losing weeks discovering it at underwriting.
Buying in personal name when limited company would save thousands in tax, or vice versa. Different lender pool, very different long-term outcome.
Going to a mainstream lender for HMO, expat or first-time landlord cases that simply aren't in their criteria. Wasted weeks, wasted fees.
We model your specific property against every relevant lender's stress test before you offer. No surprises at underwriting, no wasted application fees.
Personal name vs limited company, modelled with real numbers against your income and tax position. The right structure, not the default one.
Direct relationships with the specialist BTL, expat and limited company lenders who actually fund the kinds of deals other brokers walk away from.
First rental, portfolio build, expat investment or accidental landlord. Your wider plan decides the lender pool and the structure.
Income, deposit, existing portfolio and tax position. ICR stress tests run before we approach a single lender on your behalf.
Type, location and projected rental yield. We model the specific property against every relevant lender before you offer.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Buy to let is where our senior team has spent careers. Specialist BTL, limited company, expat and portfolio cases are our default work, not an afterthought.
Yes, but the lender pool is narrower than for borrowers who already own their own home. We work with a handful of specialist lenders who consider first-time buyer landlord applications. Expect to need a larger deposit (typically 25%) and to provide more detail on your wider financial position.
Not necessarily. For higher-rate taxpayers building a portfolio, a limited company structure is often more tax-efficient post-Section 24. For lower earners or single-property landlords, personal name can still make sense. We'll model both options before you commit. Always seek tax advice from a qualified accountant.
Most lenders need the rental income to cover 125% to 145% of the mortgage payment at a stressed interest rate. In practical terms, that usually means a gross rental yield in the region of 5% to 7%. We'll run the calculation on the specific property before you offer.
Typically four to six weeks from application to offer for a straightforward case. Specialist, limited company or portfolio cases can take longer. We'll give you a realistic project timeline at the start.
Yes. Capital raising on a buy to let remortgage is one of the most common conversations we have. You can use the released funds to deposit on the next property, refurbish the existing one, or pay down personal debt, subject to lender criteria.
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