Skip links
01425 203055
HTG Mortgages

HTG Mortgages

Buy-to-Let Mortgage Broker, Including Limited Company & Portfolio Landlords

Last Updated: August 2026

Featured in The Telegraph • Daily Mail • The Times • Sky News

Buy-to-let mortgages work differently to residential ones, lenders look at rental income, not just your salary. I compare options from over 120 lenders, including specialists in limited company and portfolio landlord structures, to find the right fit for how you invest. If you are buying somewhere to let out short term rather than on a standard tenancy, we also arrange holiday let mortgages.

My fee is a flat £350, payable only once your mortgage offer is issued, and it is the same whether your loan is £120,000 or £400,000. Here is how a flat fee compares with percentage-based broker fees.

Borrow based on rental income, not just your salary

Specialist lenders for limited company & portfolio landlords

Avoid the criteria pitfalls that catch out first-time landlords

Welcome to HTG Mortgages video thumbnail
Get in touch
Limited Company
BTL FTB
Portfolio Landlord
Call 01425 203055
Harry Goodliffe, director and FCA-authorised mortgage advisor at HTG Mortgages, at his desk

Meet your Advisor

Harry Goodliffe

  • FCA Authorised
  • Director & Mortgage Advisor

“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”

Let’s Talk About Your Mortgage

This field is for validation purposes and should be left unchanged.
First Name(Required)

Buy to let advice for landlords

from first purchase to portfolio

This hub is your go-to resource for everything related to buy to let mortgages. From current mortgage rates to deposit rules, tax implications, and lender criteria, we’ve pulled everything together to help you make confident, informed decisions. Straightforward, expert advice. No jargon. Just real answers that make property investing simpler. If your current rate is coming to an end, start with our buy to let remortgage service and the guide to how a buy to let remortgage works. If you did not plan on becoming a landlord, for example you are letting a home you used to live in or one you inherited, start with consumer buy to let instead. For the local picture, see buy to let in Southampton and Portsmouth, or the wider Hampshire figures.

Related: how a buy to let remortgage works, Consumer Buy to Let Mortgages, Buy to Let Mortgage Broker in Southampton, Buy to Let Mortgage Broker in Portsmouth.

Buy To Let FAQs

Looking to invest in property? I’ll explain how buy to let mortgages work and guide you through the application process. With access to buy to let lenders across the market, I can help you find a mortgage that matches your circumstances. Whole-of-market advice means you won’t be limited in your options.

Buy To Let Guide

In this guide, I’ll cover what you need to know before you invest. From working with the best buy to let mortgage lenders to understanding deposit requirements, this guide makes the process clear and accessible.

Specialist Buy To Let Broker

A specialised buy to let mortgage broker serves as your strategic partner, offering access to a vast network of lenders and exclusive products not readily available to the public. By working closely with buy to let lenders across the market, I aim to find you competitive rates and terms.

Buy To Let Stamp Duty Calculator

Stamp duty can sometimes be overlooked! Use our calculator to help plan your affordability when considering buy to let mortgages. Factoring in these costs from the outset will give you a more realistic view of your investment.

Best Buy To Let Mortgage

Investing in property is a big step, and the right buy to let mortgage makes a real difference to your returns. I work directly with buy to let lenders across the market to find options that suit your circumstances.

Buy To Let First Time Buyer

Can first-time buyers obtain a buy to let mortgage? The answer is yes, but the criteria can be stricter. We’ll walk you through what lenders expect and how to prepare.

Mortgages for limited company

Many landlords now choose to invest through a limited company structure. This guide breaks it all down so you know exactly what lenders are looking for and how the best buy to let mortgage lenders assess applications of this type.

Portfolio Landlord

A portfolio landlord is an investor who owns four or more buy to let properties. These landlords are often more experienced in property investment and typically manage multiple mortgages. We’ll show you how to work with the best buy to let mortgage lenders to keep your portfolio on track and cost-effective.

Book a Call

Fill in the form, and I’ll get back to you personally (usually within 2 hours). No call centre, no obligation, and no pressure. Just clear guidance from Harry at HTG Mortgages.

This field is for validation purposes and should be left unchanged.
Name(Required)
start-your-journey-start-flag

Let’s get your mortgage sorted

Book a call

Why use HTG’s mortgage services?

Available 24/7, so we are always there to help when you need us

We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages

We provide unrivalled customer service, ensuring that you get the care you deserve

Harry Goodliffe
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages  ·  FCA Authorised (1017945)
CeMAP Qualified  ·  Featured in National Press  ·  South England Prestige Awards 2026/27 winner

FCA Register

Frequently Asked Questions

Have another question?

A mortgage for a property you intend to rent out rather than live in. It is assessed mainly on the rent the property will achieve, it is usually interest only, and it needs a bigger deposit than a residential mortgage. Most lenders want 25%.

There are specialist versions of this too, such as a multi-unit freehold block mortgage for a single freehold containing several flats. Buying at auction is its own game with a 28-day clock, covered in my auction property mortgage guide.

The rent decides it, not your salary. A lender applies an interest cover ratio, commonly 145% for a personal purchase by a higher rate taxpayer or 125% through a limited company, at a stressed rate. Work backwards from the achievable rent and you will get close to the real number.

The worked examples live in my guide to buy to let borrowing.

The calculation a lender uses to check the rent covers the mortgage with room to spare. They take a stressed interest rate, often around 5.5%, work out the monthly interest, and require the rent to exceed it by the cover ratio. It is the single most common reason a buy to let application does not work. See exactly how the numbers work, area by area, on the buy to let stress test page.

Not always, but most lenders prefer it and several insist on it. First time landlords who are not homeowners have a shorter list of options and sometimes face a minimum income requirement as well.

A buy to let that came about by circumstance rather than choice, most commonly an inherited property or a former home you are letting out. It is regulated differently to a business buy to let and not every lender offers it, so it is worth identifying early which one you are.

If you are buying a wholly commercial or semi-commercial property to let out instead, that is a different product, see my guide to commercial buy to let mortgages.

Yes, an additional rate applies on second and subsequent residential properties in England, on top of the standard rates. Because thresholds and surcharges change with each Budget, check the current position on the HMRC calculator before you commit rather than relying on any article, including this one.

Worked examples at real prices are in my guide to buy to let stamp duty.

E is the current minimum for letting in England and Wales. The proposal is to raise it to C, with 2030 as the target date and a cost cap of £10,000 per property, and an earlier milestone flagged for October 2027. If you are buying a D or E rated property, price the work in now.

Yes, and it is now how a large share of purchases are done. Hamptons recorded 66,587 buy to let companies incorporated in 2025. Lending to a company is a slightly different process, usually with personal guarantees from the directors, and the stress test is normally the gentler 125%.

Call Now WhatsApp