Find a Buy-to-Let Mortgage That Works for You
Whether you’re buying, remortgaging or switching deals, our expert advisors can help.
New and Experienced
Property investment rarely follows a single path, and no two landlords are the same. You might be researching your first rental property, reviewing a mortgage that’s coming to an end, or planning the next step for your portfolio. Whatever stage you’re at, we’re here to help make things simpler.
First-Time Landlords
If you’re buying your first rental property, it’s normal to have questions about deposits, rental income, affordability and lender requirements. We’ll help you understand what lenders are looking for and explain your options clearly, so you can move forward with confidence.
Existing Landlords
Whether you’re remortgaging, releasing equity or reviewing your current mortgage, we’ll help you explore the options available and understand what could work best for your circumstances. Wherever you’re starting from, our advisers will explain your options clearly and help you take the next step with confidence.
Portfolio Landlords
Managing multiple properties often means balancing different mortgage products, lenders and investment goals. We’ll take the time to understand your wider plans and help you find mortgage solutions that support your long-term strategy, not just your next transaction.
Who We Work With
We work with leading lenders across the market to match you with the right deal.
Why People Choose Fluent Money
Competitive Buy-to-Let Mortgage Rates
We compare deals from a wide range of lenders to help find competitive rates based on your circumstances and investment goals.
Solutions for Every Type of Landlord
Whether you’re a first-time landlord, expanding your property portfolio, or remortgaging an existing rental property, we’ll help you find the right mortgage.
Expert Buy-to-Let Mortgage Advice
Our experienced advisers guide you through the entire process, making your application as straightforward and hassle-free as possible from enquiry to completion.
Access to an Extensive Panel of Lenders
We work with a broad panel of buy-to-let mortgage lenders, giving us access to a wide range of products tailored to your needs and circumstances.
Buy-to-Let Mortgages That Fit Your Property Plans
Every landlord’s situation is different. A mortgage that looks attractive on paper may not be the right fit once you take rental income, fees, overpayment flexibility, loan size, property type and future plans into account.That is why we start with your circumstances rather than a one-size-fits-all product list.
Buying a Buy-to-Let Property
Buying an investment property is exciting, but there are several moving parts to consider before you commit. Alongside the purchase price and deposit, lenders will look at factors such as the property’s expected rental income, your deposit, your income and existing commitments, the type of property you’re buying and whether you’re buying personally or through a limited company
We can help you understand the mortgage side early, so you can look at properties with a clearer idea of what may be achievable. Whether you are buying a single flat, a family home to rent out, or planning the first step in a wider property strategy, we will talk through the practical options available.
Remortgaging Your Buy-to-Let Property
Your current deal may be ending soon. You may be paying a higher variable rate than you expected. Or you may simply want to review whether your existing mortgage is still doing what it needs to do. A Buy-to-Let remortgage can potentially help you secure a new deal, change your fixed-rate period, release equity, review your borrowing requirements or explore options with a new lender
The best time to start exploring options is usually before your current deal expires, rather than waiting until you have already moved onto a higher rate. When you enquire, we will look at your bigger picture: your current mortgage, the property’s estimated value, rental income, your future intentions and any changes in your circumstances.
Limited Company Buy-to-Let Mortgages
Many landlords now choose to buy or hold property through a limited company. Whether you’re considering a limited company purchase or reviewing your existing structure, we can help you understand the mortgage options available and how lenders may assess your application.
Every situation is different, which is why tailored advice can make a real difference.
Important information
Your property may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £995
