Buy-to-Let Mortgages

Whether you’re purchasing your first rental property or expanding a portfolio, NexGen Finance provides clear, structured support for landlords at every level. We help you understand lending criteria, rental income requirements and the options available across the market.

From single-unit investments to HMOs and multi-property portfolios, we guide you through the process to help you secure the right buy-to-let finance for your goals.

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First Time Buyer Mortgages

First-Time Buyer Mortgages

Helping You Take Your First Step onto the Property Ladder

Buying your first home is an exciting milestone — but understanding deposits, affordability, credit checks, and the full mortgage process can feel overwhelming. At NexGen Finance, we make the journey clear, structured, and stress-free, supporting first-time buyers right from the initial enquiry through to getting the keys.

We help you understand how much you can borrow, compare suitable mortgage options, prepare your documents, and move through the process with confidence.

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Why Consider a Buy-to-Let Mortgage?

Types of Buy-to-Let Mortgages

How We Help Landlords

Local Notes

Woking’s commuter economy supports diverse uses; lenders scrutinise lease terms on investment stock and cost efficiency on owner-occupied acquisitions. Clear evidence of demand and achievable rents strengthens valuation cases.

FAQs About Buy-to-Let Mortgages

1. Can I refinance to release capital?

Often yes, subject to DSCR, valuation and use of funds.

2. Are fixed and variable rates available?

Yes — terms vary by lender, sector and risk profile.

3. Will personal guarantees be required?

Common for SME borrowing; extent depends on leverage and covenant strength.

4.Can a start-up obtain finance?

Possible with strong plans, assets and/or additional security — pricing may be higher.

Our Customers Love Us

Juan-Ricardo

As someone self-employed with slightly ‘sticky’ credit, most banks turned me away. This team was a godsend; they persevered and got my mortgage sorted, even saving me some of my deposit money.

Pulizia London

Thank you for your assistance, advice, and perseverance in getting my mortgage sorted. You guys made it happen when others wouldn’t. See you in two years for the remortgage!

Sean King

Securing a buy-to-let mortgage was a breeze with their help. They walked me through the process, found me a great rate, and ensured everything went smoothly. Outstanding expertise.

Jenson West

The Nexgen team took the time to explain everything, found the right lender for my budget, and guided me through the paperwork. A very stress-free experience for a first-time buyer.

Cath Jones

Excellent experience financing a buy-to-let auction property. The NexGen Finance team was excellent to deal with and guided us through the process with no stress whatsoever.

Joanna Morley

Over the moon! Thank you for the excellent service, advice, and support. You are very approachable and it was a pleasure having NexGen Finance as my broker.

Sammy Alim

Experts in what they do. Explained all options to purchase an uninhabitable property and get development funding. Jahed explained the bridging loan and exit strategy perfectly.

Muhammad Ashiq

I am extremely pleased with the mortgage service provided. The level of professionalism was top class and the entire process was handled perfectly. Highly recommend.

Common Challenges We Handle

Insufficient rental income on lender stress tests

1 Portfolio landlords requiring complex underwriting

2 Limited experience for first-time landlords

3 Unique property types such as ex-local authority or multi-unit blocks

4

The Buy-to-Let Process

1. Initial Discussion

We review your income, rental expectations and investment plans to confirm suitable options.

2. Property Assessment

Lenders base affordability on rental income — we help check whether the property meets the required stress tests.

3. Application

We assist with documents, portfolio information (if applicable) and lender submissions.

4. Valuation

A specialist valuation confirms both the property value and expected rental income.

5. Mortgage Offer & Completion

Once approved, legal work is finalised and your mortgage completes.

We Search 1000s of Buy-to-Let Mortgages in Uk

10 Step Guide for Buy-to-Let in Uk

1. Master Your Budget

Before looking at houses, look at your bank account. You’ll typically need a 5% to 10% deposit. Beyond the deposit, remember to budget for “hidden” costs like solicitor fees, surveys, and moving costs.

2. Check Your Credit Health

Lenders want to see that you’re a reliable borrower. Use apps like Experian or Equifax to check your score. Pro tip: Ensure you are on the electoral roll and avoid taking out new credit cards or loans 6 months before your application.

3. Get an Agreement in Principle (AIP)

This is your “golden ticket.” An AIP from NexGen Finance tells estate agents and sellers that a lender has pre-approved you for a certain amount. It makes your offers much more serious.

4. Explore Government Schemes

Don’t miss out on help! We can guide you through the Lifetime ISA (LISA) bonus, Shared Ownership, or the First Homes scheme to see if you can get on the ladder sooner with a smaller deposit.

5. The Property Search

Now for the fun part! Once you know your budget, start viewing properties. Look beyond the décor—check for signs of damp, the age of the boiler, and the “vibe” of the local neighbourhood at different times of the day.

6. Make an Offer

Found “the one”? It’s time to negotiate. We suggest starting slightly below the asking price. Mention that you are a Buy-to-Let with no chain and an AIP—this makes you a very attractive buyer.

7. Instruct a Solicitor

You’ll need a legal expert (a conveyancer) to handle the paperwork, local searches, and the transfer of funds. We can recommend trusted professionals to ensure your legal journey is as smooth as your mortgage one.

8. Formally Apply for Your Mortgage

Once your offer is accepted, NexGen Finance will submit your full application. The lender will then perform a valuation to ensure the property is worth the price you’re paying.

9. Survey and Searches

While the lender checks the value, you should check the condition. A HomeBuyer Report or Building Survey will flag any structural issues. Your solicitor will simultaneously run searches to check for things like local planning permissions.

10. Exchange and Complete

Once the legal work is done and your mortgage offer is formalised, you’ll Exchange Contracts. At this point, the deal is legally binding. Shortly after comes Completion Day—the keys are yours!

Our Mortgage Guides

First Time Buyer Guides

Remortgage Guides

Bad Credit & Specialist Finance

Buy-To-Let Guides

Business Finance Guides

Moving Home Guides

Age 50+ Guides

Buy to Let Mortgages

Buy-to-Let Mortgages

From single-unit investments to HMOs and multi-property portfolios, we guide you through the process to help you secure the right buy-to-let finance for your goals.

Why Consider a Buy-to-Let Mortgage?

✔ Potential for long-term rental income
✔ Opportunity for property value growth over time
✔ Flexible property types including flats, houses and HMOs
✔ Suitable for both new and experienced landlords

How We Help Landlords

📊 Assessing rental affordability and lender criteria
🏘️ Support for both personal name and limited company structures
🧾 Help with documentation, projections and portfolio schedules
🏦 Access to a wide range of buy-to-let lenders

Types of Buy-to-Let Mortgages

Standard Buy-to-Let – for single residential rentals
Limited Company BTL – popular for portfolio landlords
HMO Mortgages – for HMOs and multi-tenant properties
Holiday Let Mortgages – for short-term rental investments

The Buy-to-Let Process

1. Initial Discussion

We review your income, rental expectations and investment plans to confirm suitable options.

2. Property Assessment

Lenders base affordability on rental income — we help check whether the property meets the required stress tests.

3. Application

We assist with documents, portfolio information (if applicable) and lender submissions.

4. Valuation

A specialist valuation confirms both the property value and expected rental income.

5. Mortgage Offer & Completion

Once approved, legal work is finalised and your mortgage completes.

Common Challenges We Handle

✔ Insufficient rental income on lender stress tests
✔ Portfolio landlords requiring complex underwriting
✔ Limited experience for first-time landlords
✔ Unique property types such as ex-local authority or multi-unit blocks

Get Started

Whether you’re growing your portfolio or making your first buy-to-let investment, NexGen Finance is ready to help you move forward.

🧮 Mortgage Calculator for Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

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