Do you arrange buy-to-let mortgages for limited companies?

Yes. SPV limited company BTLs are part of the day job — the accountancy team files SA302s and company accounts, so director income, dividends and retained profits are already on the desk when we submit. Fewer awkward conversations with lenders who 'don't understand director income'.

What deposit do I need for a buy-to-let?

Usually 25% minimum. Some lenders take 20% for strong cases; 30–40% unlocks the keenest rates. Rental stress-tests (ICR) move the number — a property that rents at 125% of interest at stressed rates is the benchmark most BTL lenders use.

Can I remortgage my existing BTL to release equity?

Yes — 'capital raising' on a BTL is common. Lenders re-check rental stress and loan-to-value; use cases include deposit for the next property, refurb funds, or paying down personal debt. Our remortgage guide covers the option-set.

What fees do you charge for a BTL mortgage?

£399 for a purchase, £199 for a remortgage — confirmed before you apply. More complex cases (adverse credit, non-standard construction, HMOs) can carry an additional fee; you'll always know the number upfront.

Can you arrange HMO mortgages?

Yes. HMO BTLs sit with specialist lenders — licensing, minimum room sizes, article 4 areas all factor into affordability. We've done houses in multiple occupation from three bedrooms up to twelve. Council licence status is the first thing we need to know.

What's portfolio landlord stress testing?

Four or more mortgaged BTL properties puts you in 'portfolio landlord' territory at most lenders. They'll stress-test the whole portfolio — not just the property you're buying. We'll prep a business plan, assets/liabilities summary and cashflow so the lender sees the full picture on the first pass.

Are you tied to specific lenders?

We're a restricted broker — we work from a panel of lenders, which covers most of the high-street names and most of the BTL specialists. If your best deal sits with a lender we can't access, we'll say so straight.

Can Halewood handle the conveyancing too?

Yes, if you'd like us to. Purchase conveyancing £1,150 via our Taylor Rose desk — your mortgage adviser and your solicitor working from the same file, no re-briefing.

Talk buy-to-let for free

The rules keep changing, the tax keeps changing, and somewhere underneath all the noise you just wanted somewhere to put your savings or build something for retirement.

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Experts on hand

Three things you don't get with a broker on their own

Tax advice

Specialist accountants who work with landlords every day, here to help with the tax questions you've always had but never quite got a straight answer on.

Conveyancing

he legal side of the purchase handled by our own team, working alongside your mortgage adviser instead of being a separate firm you have to chase.

Financial Advisers

Advisers who can help you think about pensions, savings or retirement — already familiar with your portfolio so the bigger picture actually fits together.

Who it's for.

If any of these sound like you.

First-time landlords

First buy-to-let, whether it's in your own name or through a company. We'll walk you through how the rental income gets assessed and which structure makes more sense for you.

Existing portfolio landlords

Buying another property, remortgaging an existing one, or releasing equity to fund the next purchase. Whether you hold them personally, through a company, or a mix of both, everything stays on the same file.

Accidental landlords

Inherited a property, moved in with a partner and kept the old place, or letting somewhere out while you're abroad. We'll tell you which lender treats your situation properly and what you actually need.

Common questions

Clear answers to the questions people often ask before getting started.

Yes. SPV limited company BTLs are part of the day job — the accountancy team files SA302s and company accounts, so director income, dividends and retained profits are already on the desk when we submit. Fewer awkward conversations with lenders who 'don't understand director income'.
Usually 25% minimum. Some lenders take 20% for strong cases; 30–40% unlocks the keenest rates. Rental stress-tests (ICR) move the number — a property that rents at 125% of interest at stressed rates is the benchmark most BTL lenders use.
Yes — 'capital raising' on a BTL is common. Lenders re-check rental stress and loan-to-value; use cases include deposit for the next property, refurb funds, or paying down personal debt. Our remortgage guide covers the option-set.
£399 for a purchase, £199 for a remortgage — confirmed before you apply. More complex cases (adverse credit, non-standard construction, HMOs) can carry an additional fee; you'll always know the number upfront.
Yes. HMO BTLs sit with specialist lenders — licensing, minimum room sizes, article 4 areas all factor into affordability. We've done houses in multiple occupation from three bedrooms up to twelve. Council licence status is the first thing we need to know.
Four or more mortgaged BTL properties puts you in 'portfolio landlord' territory at most lenders. They'll stress-test the whole portfolio — not just the property you're buying. We'll prep a business plan, assets/liabilities summary and cashflow so the lender sees the full picture on the first pass.
We're a restricted broker — we work from a panel of lenders, which covers most of the high-street names and most of the BTL specialists. If your best deal sits with a lender we can't access, we'll say so straight.
Yes, if you'd like us to via our Taylor Rose desk — your mortgage adviser and your solicitor working from the same file, no re-briefing.

Talk buy-to-let for free

Experts on hand

Tax advice

Conveyancing

Financial Advisers

Who it's for.

First-time landlords

Existing portfolio landlords

Accidental landlords

Common questions

Ready when you are.

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