Buy To Let Mortgage Advice
Whether you're considering becoming a landlord for the first time, or you're an experienced property professional looking to add to your portfolio, we have a dedicated team of mortgage brokers on hand to help finance your next investment.
Being a landlord doesn't have to be hard...
Becoming/being a landlord is a job in itself. Let us take care of the financials so you can take care of your properties and tenants. We’ll work with you based upon your circumstances, aspirations and portfolio to find the right buy to let mortgage deal to help raise the finance you need to grow your property portfolio.
Things to consider:
What’s your objective: is it income or capital growth? Do you want to benefit from extra monthly income or are you looking to increase your networth through increases in equity should house values rise. This decision may affect the type of property you purchase and location, along with impacting the right type of mortgage to meet your needs
Deposit: buy to let mortgages typically require a larger deposit than standard residential mortgages. You will generally need a minimum of 20-25% of the purchase price.
Stamp duty: if you already own other property, you will have additional stamp duty to pay.
Other costs:
Tax – we strongly advise you to speak to a tax specialist prior to making a decision on whether to purchase a buy to let property as there may be tax implications to consider. We can put you in touch with trusted tax advisors if you don’t have relationships of your own.
Letting agent’s fees – agents usually take a percentage of the monthly rental income to manage the property for you;
Landlord/buildings insurance;
Upkeep and maintenance costs;
Ground rent/service charges (applicable to leasehold properties);
Legal insurance – provides protection if your tenant’s default on their payments;
Gas/electrical appliances – the cost of maintaining appliances to ensure they are compliant with regulations and ensuring the relevant certificates are in place.
Our Awards
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Best Mortgage Broker (Under 10 Advisers)
What Mortgage Awards
(Highly Commended) -
Best First Time Buyer Mortgage Broker
Personal Finance Awards
(Winner) -
Best Broker Customer Service
Personal Finance Awards
(Highly Commended) -
Best Broker Customer Service
What Mortgage Awards
(Highly Commended) -
Best Mortgage Industry Newcomer
What Mortgage Awards
(Highly Commended)
Looking for advice, or have some questions?
Why choose Belle Maison Mortgages?
At Belle Maison Mortgages we provide expert mortgage advice, protection and insurance advice. We strive always to provide simple, honest advice and our trusted and versatile mortgage and protection advisers will work hard until they find the most appropriate outcome for your personal situation.
We pride ourselves on delivering an excellent service, which is reflected in the fantastic five star reviews our clients regularly leave us. We’ll work with you, on your terms, and are happy to meet remotely via video call, over the phone, or if you prefer a good old fashioned chinwag over a cuppa we’ll come to see you at your home.
No Obligation Meeting
Our mortgage advisers provide no obligation initial consultations ensuring you can be confident you’re working with a mortgage adviser you can trust, with no obligation to proceed in the (unlikely!) event you don’t think we’re the right fit.
Tailored Advice
Everyone is different, and so every mortgage should be different too. Our mortgage advisers take the time to get to know you and your personal circumstances so that we can find a mortgage solution tailored to your needs.
Expertly Qualified
Our team of qualified mortgage advisers boasts years of experience. Some hold advanced qualifications, meaning that we have the expertise to work through any challenges you may encounter, particularly with complex situations.
Our Reviews
Our clients have lots of good things to say about why they think Belle Maison Mortgages are the “best in the business”. From first time buyers, to buy to let landlords our clients have come to trust the service we provide, comforted that we’re with them every step of the way.
Check out what our clients have to say about us below!
I was recommended to bellemaisonmortgages by a close friend and I was not disappointed by any means . Paula and her team were fantastic from start to finish of my mortgage application . It is a very professional business and whenever I needed help , Paula was always there . Even when Paula was on holiday she was still reaching out and providing the best quality support , she made the whole process smooth and easy for me . Absolutely fantastic customer service and would 100% recommend to anyone who’s looking to get a mortgage to use bellemaisonmortgages .
Paula has been nothing but amazing from start to finish. I first contacted Paula when I was in an IVA and explained my situation, she worked with me from that point to help me every step of the way to build my credit file to be able to buy my first house. She persevered for almost 2 years to assist me in any way possible. Last week I completed on my dream home and I can honestly say I never thought it would happen. Not only did I get approved for a mortgage but Paula worked with all of the high street lenders to prove my circumstances had changed dramatically over the last couple of years and was able to secure a high street rate. I can’t thank Paula and her team for making this possible for me and my children. Thank you so much for not giving up on us, even when it didn’t seem possible.
A massive thank you to Paula for ensuring my mortgage went through smoothly and everything was in place when it was needed. Paula was responsive, proactive and clear in all her explanations from the initial call all the way through to the completion of my mortgage. I would recommend Paula to all my friends and family. Thank you again Paula x
If you need a mortgage advisor then you need to use Belle Maison mortgages. Paula has been amazing from start to finish, and has made my life so easy during what is meant to be one of the most stressful periods of your life. I even pulled out of a house purchase and purchased a different house which Paula made so easy to do, and there was no extra fee for this. She also adjusted my mortgage to a lower rate when one became available. It has been completely stress free as Paula and Louise did all of the chasing with the solicitors and sorting my insurances etc, I literally had to do nothing! If I had not used Belle Maison Mortgages I strongly believe my whole experience would have been completely different, so I am so so grateful to have had such a positive experience when buying a house. Thank you guys! P.S. Empresses loves the new gaff
We used Belle Maison recently to purchase our new home. We weren’t first time buyers this time, and have never been in a chain before so lots of this was new to us. I can’t recommend Paula and Louise highly enough. The whole transaction was made so much easier because Paula provided such an efficient service. She was informative, efficient, and helpful, and always kind and considered. We felt really comfortable having Paula and Louise involved in our transaction and it definitely helped us get where we needed to be. They were very communicative - often out of hours and on weekends which we really appreciated. They helped us work through insurance options too, which was also new to us. I’ll definitely be using the service again for my next mortgage, and will recommend them to anyone! If I could give more than 5 stars, I would ✨
Amazing from start to finish, helped us every step & made what would have been a stressful task very easy/simple. Massive thanks you.