Buy to let? We’ll make it work

Buy to let mortgages made simple

Whether you’re investing for the first time or adding to your property portfolio, finding the right Buy to Let mortgage can feel like a maze of rates, fees, and criteria. That’s where we make life easier.

At The Happy Mortgage People, we’ll guide you through the process, explain the options in plain English, and search the market to find the mortgage that works best for your investment goals.

How we help

• We search the market to secure the most suitable deal for your circumstances.
• We’ll explain key lender requirements – like minimum rental income and deposit sizes – so you know exactly where you stand.
• We take care of the paperwork and liaise with the lender, saving you time and stress.
• You’ll have a dedicated adviser on hand, making the process clear and straightforward from start to finish.

Things to consider

• Deposit sizes – Buy to let mortgages often require a larger deposit (typically 20–25%).
• Rental income – Lenders usually assess the loan based on the expected rental income as well as your own circumstances.
• Interest rates – These can differ from residential mortgages, and we’ll help you understand how it affects your returns.
• Tax implications – Landlord tax rules can change – we’ll guide you through what you need to know and recommend speaking to a tax adviser if needed.

Protecting your investment

We can also help safeguard your property and income with the right protection – from landlord insurance to income and critical illness cover – so you can invest with confidence.