Buy to Let Mortgages
Whole-of-market advice for new investors and experienced landlords across Macclesfield and Cheshire.
Buy to let lending works differently from a residential mortgage. Lenders focus on rental income, stress-test at higher rates, and apply different rules for personal versus limited company ownership. We help you navigate these so your investment is funded on the right terms.
Rental Cover & Stress Testing
Lenders usually require rent to cover the mortgage by 125%–145%, assessed at a notional rate. We check a property meets these thresholds before you commit, so you can negotiate with confidence.
Individual or Limited Company
Holding a rental personally or through a company has very different tax and borrowing consequences. We explain how each affects your options and recommend you speak to an accountant before deciding.
Growing a Portfolio
A portfolio remortgage can release equity for further purchases or cut your borrowing costs. We review existing deals, find savings and coordinate multiple applications.
How We Help
- Rental Checks Upfront. We stress-test rental cover against lender criteria before you buy, so there are no surprises later.
- Structure Guidance. We explain how individual versus company borrowing affects your options, alongside your accountant.
- Portfolio Coordination. For landlords with several properties, we manage multiple applications and renewal dates in one place.
Frequently Asked Questions
Discuss Your Portfolio
Speak with our team about rental yield requirements and lender options for your investment.
Direct Office Tel:
01625 430444Why Speak to Us First
As independent advisers we search the whole of market rather than a single lender, so the mortgage we recommend is chosen for your circumstances — not a sales target.