When Sarah bought her first rental flat, she quickly learned that being a landlord is about more than finding tenants. Sitting at her kitchen table, she searched for Buy-to-Let mortgage brokers who could explain lending rules, rental stress tests, and tax changes in plain English. That first conversation changed everything. Instead of guessing, she had clear guidance, realistic figures, and a mortgage designed for long-term investment rather than short-term fixes.
What do Buy-to-Let Mortgage Brokers do
Buy-to-Let Mortgage Brokers specialise in mortgages designed for rental properties. These mortgages are assessed primarily on rental income rather than personal salary alone. Lenders apply stress tests to ensure that rent covers repayments, even if interest rates rise.
A broker compares high street and specialist lenders to find products that suit your goals. This may include first-time landlord purchases, remortgages, or portfolio expansion. Our Buy to Let Mortgages service explains how deposits, rental calculations, and interest-only options work in practice.
Who we Help
Our buy-to-let mortgage brokers support landlords at every stage of their investment journey. This includes:
- First-time landlords buying their first rental property
- Experienced landlords growing a property portfolio
- Limited company investors seeking tax efficiency
- Landlords remortgaging to raise capital or improve rates
If you invest through a company structure, our Limited Company Buy-to-Let guidance explains how lenders assess directors, shareholders, and company income.
How Buy-to-Let Mortgages Work
Buy-to-let mortgages differ from residential lending in several important ways. Lenders focus on the expected rental income rather than your personal earnings. Most require the rent to exceed the mortgage payment by a set percentage.
Typical features include:
- Higher deposit requirements than residential mortgages
- Interest-only options commonly available
- Affordability based on rental stress testing
- Different tax treatment for landlords
For time-sensitive purchases or chain-break scenarios, short-term financing may be appropriate. Our Bridging Loans page explains when this type of lending could support a buy-to-let strategy.
Why Use a Buy-to-Let Mortgage Broker
Using a buy-to-let mortgage broker provides clarity and access that most landlords cannot achieve independently. Lender criteria vary widely, and the cheapest rate is not always the most suitable option.
A broker helps by:
- Matching lenders to your property type and rental income
- Explaining affordability and stress testing clearly
- Managing paperwork and lender communication
- Advising on future portfolio planning
All recommendations are based on your circumstances and are subject to lender criteria and affordability checks.
Buy-to-let Mortgages and The Connect Group
Connect Mortgages is part of the Connect Group. Connect Experts and Connect for Intermediaries are trading divisions of Connect IFA Ltd. This structure enables clients to access a broader professional network and specialist expertise across the mortgage market.
Mortgage advisers looking to grow their business can Join Our Mortgage Network through Connect for Intermediaries. Clients seeking local advice can use Connect Experts to “Find Mortgage Advisers” for support with buy-to-let and other mortgage needs.
Speak to a Buy-to-Let Mortgage Broker
Whether you are purchasing your first rental property or managing a growing portfolio, expert advice can make a significant difference. A buy to let mortgage broker will assess your plans, explain your options, and guide you through the application process with clarity and care.
Thank you for reading our “Buy-to-Let Mortgage Brokers | Landlord Finance Experts ” publication. Stay “Connect“-ed for more updates soon!
