Build Your Property Portfolio with Confidence
Investing in property is a proven way to grow your wealth over the long term. Choosing the right buy-to-let mortgage is a key step in establishing a strong and successful investment plan.
At Belgrave Pembleton, we specialise exclusively in buy-to-let mortgage advice, helping landlords and investors at every stage secure the right finance for their goals.
Buy-to-let mortgages operate differently from residential mortgages. Lender criteria, deposit requirements and affordability calculations all work differently — and getting it right from the outset makes a significant difference to your investment returns. We’re here to make sure you do.
How We Can Help
When you work with Belgrave Pembleton, you get more than a mortgage broker — you get a specialist who understands property investment. This includes:
- Access to competitive rates from specialist buy-to-let lenders across the whole market
- Specialist advice tailored to your investment strategy and personal circumstances.
- Support with complex applications, including limited company structures
- An ongoing relationship as your portfolio grows
Types of Buy-to-Let Mortgages We Work With
Standard Buy to Let Mortgages
The most common route for landlords purchasing individual rental properties. Most lenders require a minimum deposit of 25%, with rental income typically covering between 125% and 145% of the mortgage payments. We’ll explain each requirement in detail and work across the whole market to find a competitive solution that fits your circumstances perfectly.
Limited Company Buy-to-Let Mortgages
More and more investors are opting for a limited company structure when purchasing property. While this approach can offer real advantages for tax efficiency and financial planning, the best route is always shaped by your individual situation. We’ll help you understand both routes clearly before you decide
Portfolio Landlord Mortgages
If you own four or more rental properties, lenders apply additional underwriting requirements. We bring experienced landlords and specialist portfolio lenders together — finding competitive finance solutions that work across your portfolio, regardless of its size or complexity
HMO Mortgages
Houses in Multiple Occupation require specialist mortgage products. We work with lenders who genuinely understand HMO properties and can deliver genuinely competitive solutions, whatever the size of your portfolio.
Student Accommodation
Investing in student accommodation can offer strong rental returns but requires specialist mortgage products. We partner with lenders who specialise in student accommodation and can guide you through the range of financing options to suit your needs.
How We Find You the Right Deal
Whole of Market Access
Buy-to-let mortgage rates and lender appetites change constantly. We work across the whole market — from high street names to specialist buy-to-let providers — to find the most suitable deal for your situation
Application Expertise
A well-presented application makes a real difference. We understand what each lender looks for and how to showcase your finances in the most compelling way — giving your application the best chance of success.
Tailored to Your Strategy
One size never fits all in property investment. Whether you’re starting out or scaling up, we tailor our advice to your specific goals and circumstances.
Our Simple Process
Initial Consultation
We take the time to understand your investment goals, financial circumstances, and experience as a landlord. Whether this is your first rental property or one of many, we tailor our advice accordingly.
Property Assessment
We help you understand how lenders will view your chosen property — considering rental income potential, property type and location — so you can move forward with confidence.
Mortgage Search
We search the whole market to find the most suitable buy-to-let mortgage for your circumstances and investment strategy — presenting your options clearly and without jargon.
Application Support
We oversee every aspect of your application, liaising with all parties — lenders, solicitors and surveyors to keep everything moving efficiently.
Completion and Beyond
Once your mortgage completes, we stay in touch — supporting you with future purchases and remortgages as your portfolio continues to grow.
Frequently Asked Questions
The standard minimum deposit for a buy-to-let mortgage is 25%, though this can vary — particularly with specialist lenders where property type and circumstances may push the requirement higher. A larger deposit can often give you access to more competitive rates.
Most lenders require the expected monthly rental income to exceed the mortgage payment by between 125% and 145%, depending on the lender and your tax position. This is known as the rental coverage ratio and is one of the key affordability criteria lenders use to assess buy-to-let applications. We'll explain exactly what this means for your chosen property and circumstances.
With a limited company buy-to-let mortgage, the loan is taken out by the company — not the individual. This structure can offer certain advantages depending on your tax situation and long-term investment objectives. The right approach depends entirely on your individual circumstances, and we’d always recommend taking independent tax advice alongside our mortgage advice.
Buy-to-let lending covers a broad spectrum of property types, from standard residential properties, HMOs, student accommodation and multi-unit blocks. Different lenders have different appetites for different property types, and we’ll help you find the right match for your investment.
Yes. Buy-to-let mortgage rates are typically higher than residential rates, reflecting the different risk profile of investment properties. The rate available to you will depend on factors including your deposit size, the expected rental income, the property type and your overall financial circumstances. We’ll identify the best available rate for your specific situation.
Investment Scenarios We Support
First-Time Landlords
New to property investment? We guide first-time landlords through every aspect of securing a buy-to-let mortgage — clearly, confidently and without jargon.
Portfolio Landlords
Already building your portfolio? We work with experienced landlords to structure financing across multiple properties, helping you scale efficiently and ensure the right mortgage is in place at every stage.
Overseas Investors
Not based in the UK? We work with lenders who offer buy-to-let mortgage products to overseas investors and expats, helping you invest in UK property with the right finance in place.
High Net Worth Investors
For investors with more complex financial profiles, we have access to private bank and specialist lender products with competitive rates and bespoke terms.
Complex Income Situations
Self-employed, a contractor or with multiple income streams? We have access to lenders experienced in handling complex income structures and can secure competitive buy-to-let mortgage rates for the right applicants.
Special Situations We Handle
First-Time Landlords
Never been a landlord before? From the basics to the finer details, we provide clear insights into buy-to-let mortgages and guide you away from typical mistakes that many landlords make.
Overseas Investors
Not a UK resident? We work with lenders who offer buy to let mortgage uk products to overseas investors and expats.
High Net Worth Investors
We have access to private bank buy to let mortgages with exclusive rates and terms.
Complex Income Situations
Self-employed, contractor, or have multiple income streams? We know lenders who understand complex income and can secure competitive buy to let mortgage rates uk.
We Handle Complex Situations
Our specialist advisors have experience with all types of circumstances
Bad Credit
Previous credit issues? We work with lenders who consider your current situation, not just your past
Self-Employed
Specialist products for business owners, contractors, and freelancers with complex income structures.
High Loan to Value
Limited equity? We can find competitive rates even with loan-to-value ratios up to 95%.
Complex Income
Multiple income sources, bonuses, or commission? We know which lenders will accept your income.
Ready To Build Your Property Portfolio?
Whether you’re securing your first buy-to-let mortgage or expanding an established portfolio, Belgrave Pembleton is here to help. We’ll take the time to understand your goals, find the right finance and support you every step of the way.
Get in touch to arrange a free, no-obligation consultation and take the next step in your property investment journey.
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Mortgage advice for UK homebuyers and investors
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