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Making buy-to-let straightforward
From understanding rental income to structuring your mortgage correctly we make the process clear and easy to navigate.
Whether you’re buying in your own name or through a limited company we’ll help structure your mortgage in a way that supports your long term plans
Buy to let lending is based on rental income as well as your personal position. We’ll calculate how much you can borrow and which lenders are suitable.
Many buy to let lenders operate through brokers only. You’ll have access to a wide range of lenders suited to both first time landlords and experienced investors.
From application through to completion everything is handled for you including liaising with lenders valuers and solicitors.

Buy to let mortgages come with their own rules from rental stress testing and lender criteria to property types and portfolio limits.
Whether you’re buying your first rental property or growing an existing portfolio everything is handled for you so the process runs smoothly from start to finish.
Clear guidance on rental calculations and lender criteria
Access to a wide range of buy to let lenders
Advice on personal vs limited company structures
Ongoing support as you grow your portfolio
First-time landlords purchasing their first rental property
Homeowners looking to invest in property
Existing landlords expanding their portfolio
Clients buying through a limited company structure
Investors reviewing or refinancing existing properties

A clear, structured process so you always know what’s happening and what comes next.
We discuss your goals property type expected rental income and long term plans.
We calculate your borrowing capacity and identify lenders suited to your situation and property.
We arrange your application manage lender requirements and handle the full process.
Your mortgage completes and we continue to support you as your portfolio grows.
You’ll receive clear communication and ongoing support at every stage of the journey.
*When you submit this form, we will use the information you provide to respond to your enquiry. Please read our Website 'Just in Time' Notice and Privacy Policy for more information about how we use your personal data and your rights.
Please note that your property may be repossessed if you do not keep up repayments on your mortgage.
Smyths Finance Limited is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
No broker fee is charged to clients. However, we may receive a commission from the lender.
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*When you submit this form, we will use the information you provide to respond to your enquiry. Please read our Website 'Just in Time' Notice and Privacy Policy for more information about how we use your personal data and your rights.