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Maximise Your Investment with Buy to Let

Unlock the potential of property investment with our expert guidance and practical tips. Learn how to navigate the buy to let market, secure financing, and manage your rental properties effectively. We provide everything you need to make informed decisions and maximize your returns.

Buy-to-let Properties

Investing in a buy-to-let property involves purchasing a property specifically to rent it out to tenants, generating a steady stream of rental income.

Financing

When purchasing a buy-to-let property, securing the right financing is crucial. Buy-to-let mortgages typically require a larger deposit than residential mortgages, often around 25% or more of the property's value.

Rental Yields

Calculating rental yield is essential to determine the overall profitability of a buy-to-let investment. Rental yield is the annual rental income expressed as a percentage of the property's original purchase price.

Ongoing Costs

It is also important to account for ongoing costs such as property maintenance, insurance, property taxes, utilities, legal fees, management fees (if using a letting agent), and periods of vacancy.

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

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority

Overview of Buy-to-Let Mortgages

Explore the world of buy-to-let investing and uncover the financial growth potential of rental properties.

Portfolio Investors

A portfolio investor in buy-to-let (BTL) properties is someone who already owns multiple rental properties or has a diversified portfolio of real estate investments. Portfolio investors typically have experience managing rental properties, understand the market dynamics, and may have specific investment strategies aimed at maximising returns and portfolio growth.

Non-Portfolio Investors

A non-portfolio investor in buy-to-let (BTL) properties is someone who is new to property investment or currently owns only one or a few rental properties. Non-portfolio investors may be individuals looking to enter the property market for the first time, homeowners considering renting out their current residence, or those exploring buy-to-let as an alternative investment strategy.

Houses in Multiple Occupation (HMOs)

HMOs are properties rented out to three or more tenants who are not from the same household and share facilities like kitchens or bathrooms. HMOs can offer higher rental yields than traditional buy-to-let properties but require compliance with stricter regulations and additional management responsibilities.

Holiday Lets

Properties in tourist destinations or popular holiday areas can be rented out on a short-term basis as holiday lets. Holiday lets can offer higher rental income during peak seasons but may require more hands-on management and marketing efforts.

Preparing to Purchase a buy to let property

Explore the factors to consider when remortgaging your home and make informed decisions about your financial future.

1

Complete Your
Research

It is essential to conduct thorough initial research on both the type of property you want to invest in. Identify the kind of property that suits your goals.

2

Consider
Budgeting

When planning to invest in a buy-to-let property, it's crucial to carefully consider your budget, including how much of a deposit you can put down and how much rent you might be able to earn.

3

Compare the
Mortgage Rates

Fill out our quick and easy form to compare the most competitive buy-to-let mortgage rates available and proceed through our full advised process.

Start Your Mortgage Journey

Take the first step to purchasing your desired property today.

Contact Us

What types of mortgages are available to you?

Fixed Rate
Mortgages

A fixed rate mortgage is a type of home loan where the interest rate remains constant and does not change during the initial term of the mortgage...

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Discount Rate Mortgages

A discount mortgage is a type of mortgage where the interest rate is discounted from the lender's standard variable rate (SVR) for a set period...

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Variable Rate Mortgages

A variable-rate mortgage is a type of home loan where the interest rate can fluctuate over the life of the loan depending on a chosen index...

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Tracker Rate Mortgages

The interest rate on a tracker mortgage tracks or follows movements in a chosen index, typically by a set margin above or below the index rate...

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

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

Need some mortgage calculators?

Repayment Calculator

Ready to take the guesswork out of your mortgage payments? Try our Mortgage Repayment Calculator now for quick and accurate estimates.

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Overpayment Calculator

Try our Overpayment Calculator to see how extra payments can save you time and money. Take control of your finances and pay off your mortgage sooner!

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Stamp Duty Calculator

Unlock the power of informed decision-making with our Stamp Duty Calculator. Discover how different property values and purchasing scenarios can impact your Stamp Duty costs.

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Frequently asked questions

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See What Our Customers Say

We take pride in our customer service and are committed to providing you with the best possible experience. Here's what some of our customers have to say about us.

Jayesh Unka

Jayesh Unka

4 Weeks old

We recently completed the purchase of our new home and cannot thank Kishore enough for his support throughout the journey. What makes Kishore stand out is his patience, professionalism and commitment to his clients. Our house search took almost two years, and during that time we had several offers that unfortunately fell through. Despite the delays and setbacks, Kishore was always available to help, provide advice and update mortgage options whenever our circumstances changed. He was responsive, knowledgeable and took the time to explain everything clearly, making what can be a stressful process feel much more manageable. Nothing ever seemed too much trouble, and we always felt confident that he had our best interests at heart. Thanks to Kishore’s guidance and persistence, we have finally secured our new home. We would highly recommend him to anyone looking for a mortgage advisor who genuinely cares about his clients and provides excellent service from start to finish. Thank you, Kishore, for all your help and support over the past two years.

Orr Shachar

Orr Shachar

2 Months old

Super professional, friendly and helpful. Helped us securing a mortgage for buying our first house - we started the process knowing nothing about the British housing market and processes and the help and assistance we received along the way was amazing. couldn't ask for more :)

Hitesh Patel

Hitesh Patel

2 Months old

We had an outstanding experience with Kishore at Fairford Financial Services. From start to finish, the level of professionalism, knowledge, and genuine care he showed was truly exceptional. Kishore took the time to understand our situation in detail and guided us through every step of the mortgage process with patience and clarity. What really stood out was his responsiveness and dedication — no question was too small, and he was always available to offer reassurance and expert advice when we needed it most. He went above and beyond to secure the best possible outcome for us, and thanks to his hard work, what could have been a stressful experience felt smooth and well-managed throughout. His attention to detail and commitment to his clients is second to none. My family and I are incredibly grateful for everything Kishore has done for us. We wouldn’t hesitate to recommend him to anyone looking for a reliable, trustworthy, and highly skilled mortgage broker. Thank you again, Kishore — your support has meant so much to us!

Meera Mistry

Meera Mistry

10 Months old

Thank you, quick, fast and we got loads of advice for our first home. Really grateful and explained everything in good time too, especially if your self-employed which can be tricky for first time buyers.

Snr Genfi

Snr Genfi

3 Years old

Kishore Mistry is the absolute best mortgage advisor you can ever have on the market. This man really came through for my family with exceptional professional advice in our property acquisition. He is very attentive to detail and if you listen and work with him, you will end up excited as we are at the moment. I recall the times I had to bother him very late at night and on weekends and he still made time for me offering the best professional advice in securing the mortgage. Kishore, you are indeed a legend and it's been an absolute pleasure doing business with you. I will highly recommend him to any prospective buyer especially first time buyers.

guy derry

guy derry

3 Years old

Kishore was so helpful but importantly he was knowledgeable, real safe pair of hands and he got us the mortgage and he got us over the line with our purchase

Sunil Malhotra

Sunil Malhotra

4 Years old

Kishore Mistry had been ever so helpful. We are truly indebted to him as without you him definitely wouldn’t have got our foot through the door. His immense help through testing times has been our fortune and we count our blessings to have had his utmost support and advice along the way. There have been times where he made us think before taking certain steps which I believe benefited us in the grand scheme of things. Highly recommended.

Dave H

Dave H

4 Years old

I would thoroughly recommend Fairford Financial great personal service, quick response , my family have used for mortgage and life insurance

Sue Wright

Sue Wright

4 Years old

I would thoroughly recommend Fairford to anyone who requires a first time mortgage, re-mortgage and/or insurance policies. I have used Fairford services several times and they have recently also helped 2 other family members with their first property purchase. Kishore is most helpful and supportive throughout the whole process. A trusted financial service - 5 stars!

F Tailor

F Tailor

4 Years old

This is a great service. Very knowledgeable and super fast with responses. I was given a whole host of information which has been so helpful for me buying my first house. The process was very smooth. Thank you so so much!

NILESH JHALLA

NILESH JHALLA

4 Years old

The service I received from Fairford Financial Service was amazing. I can not speak highly of how easy the mortgage process was and the service was 5 star. I will recommend Fairford to all my family and friends and work colleagues. Absolutely great service and support throughout the whole process. This is one of the best companies I have ever used. Highly recommended.

Sunny Dhamii

Sunny Dhamii

4 Years old

Flawless service from start to finish. Kishore Mistry guided us through our mortgage options and saw us through the entire process. From the first time that we spoke with Kishore, he was approachable, understanding, personable and informative. Everything was explained clearly and precisely throughout. We were able to reach out to Kishore at any time and never faced a situation where we were unable to receive a quick response. Although in most instances, communication was initiated by Kishore anyway and we were consistently up to date with any progress on our case, big or small. We faced a couple of challenges with our house move. Firstly with having to withdraw from our originally planned purchase, due to the current homeowners not able to find a suitable onward move many months after accepting our offer. Secondly, with a down valuation on the property that we eventually did end up purchasing. Kishore was reassuring in both scenarios and empathised with our uncertainty and naturally, our disappointment. He guided us through the process of appealing the down valuation that was put forward by our lender. Without saying much more, we have now moved into our new home. Despite the couple of scenarios mentioned above, our house move felt very simple and stress free, due in large part to the service provided by Kishore. His knowledge and experience is second to none.

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5.0 rating from 12 reviews

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