Buy To Let

How We Work

Guidance You Can Rely On, Advice You Can Trust

Explore Your Options

Understand your goals, investment strategy, and ownership options.

Tailored Advice

Receive expert guidance on mortgages and structure, whether personal or via a limited company.

Specialist Support

Access trusted partners for tax or legal advice when needed.

Confident Decisions

Move forward knowing your plan and mortgage fit your long-term goals.

Expert guidance for your buy-to-let journey

Whether you’re investing for the first time or growing an existing portfolio, you’ll get advice that goes beyond the mortgage. Your decisions around ownership, taxation, and long-term strategy matter just as much as the mortgage itself, and you’ll have support navigating all of it.

With our specially accredited buy-to-let advisers, you can explore complex questions with confidence - such as whether to buy personally or through a limited company. When you need specialist expertise, for example on tax matters, you’ll have access to trusted partners so you get the right advice every step of the way.

It’s not just about arranging a mortgage - it’s about helping you make informed, confident decisions that fit your goals as a landlord.

Expect a seamless, straightforward, and stress-free journey. We guide you through every step of your buy-to-let journey, from mortgage choices to ownership decisions, so you can invest with clarity and confidence.

FAQ's

Frequently Asked Questions

1. What is a buy-to-let mortgage?

A buy-to-let mortgage is designed for people who want to purchase a property to rent out to tenants. It works differently from a standard residential mortgage, with lenders assessing rental income as well as your personal finances.

2. Who are buy-to-let mortgages for?

They are suitable for anyone looking to become a landlord — whether you're a first-time investor or building an existing portfolio.

3. Are buy-to-let mortgages different from other mortgage types?

Yes. They typically have different affordability checks, higher deposit requirements, and often offer interest-only repayment options.

4. How much can I borrow for a buy-to-let mortgage?

The amount depends on the rental income the property can generate. Most lenders require the rent to cover around 125%–145% of the monthly mortgage payment.

5. Can I get a buy-to-let mortgage for the home I live in?

No. Buy-to-let mortgages are only for properties you intend to rent out. Your own home must be financed with a standard residential mortgage.

6. How many buy-to-let mortgages can I have?

There’s no fixed limit, but each application will be assessed individually. Your income, existing mortgages, and rental coverage will determine how many you can take on.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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