Buy to Let Mortgages

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.

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.

Contact Us Today- 03300100061

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