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🏘 Buy to Let Specialists

Buy to Let & Let to Keep — Grow Your Property Portfolio

Whether you're a first-time landlord or an experienced investor, we search the whole market for the right buy to let mortgage. If you want to retain your current home as a rental and buy a new one, we coordinate both mortgages simultaneously.

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Buy to Let Mortgages Explained

A Buy to Let mortgage is specifically designed for properties you intend to rent out rather than live in. Lenders assess affordability differently — primarily based on the expected rental income rather than your personal income — and typically require a minimum 25% deposit.

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. We will confirm this clearly before providing any advice.

Let to Keep — Keep Your Home, Buy a New One

Let to Keep (sometimes called Let to Buy) is a strategy where you convert your existing residential mortgage to a Buy to Let, rent out your current home, and use the released equity as a deposit on a new property. It requires two mortgage applications simultaneously — something our advisers are experienced in coordinating.

What We Help With

  • First-time Buy to Let investors
  • Portfolio landlords with multiple properties
  • Let to Keep / Let to Buy arrangements
  • HMO (House in Multiple Occupation) mortgages via specialist lenders
  • Limited company Buy to Let structures
Most Buy to Let lenders require a minimum 25% deposit, though some products are available with less. A larger deposit gives access to lower rates.
Most lenders require the expected rental income to cover 125–145% of the monthly mortgage payment. We check rental potential before recommending any product.
Most Buy to Let mortgages are not regulated by the FCA. Consumer Buy to Let (where you have previously lived in the property or it is let to a close family member) may be regulated. We will clarify this for your specific situation.
25% Deposit Options
Rental Income Assessed
Dual Application Experts
Whole of Market

⚠ Important Regulatory Information & Risk Warnings

🏠 Your Home May Be at Risk

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Mortgages are secured on your home and it may be repossessed if you do not keep up repayments.

Regulatory Status

Cogent Financial Services Ltd is authorised and regulated by the FCA. FCA No: [FCA NUMBER]. Registered in England & Wales. Company No: [COMPANY NO]. Registered office: Harrow, Middlesex.

Our Service

We are a whole-of-market mortgage broker. Some products (Buy to Let, Bridging, Commercial) may not be FCA regulated. We confirm this in writing before providing advice.

Fees

We will explain all fees before you proceed. We may receive a commission from lenders when a mortgage completes. Full details in your Initial Disclosure Document.

Third Parties

Bridging and Commercial Finance enquiries are referred to specialist third-party advisers. Best Mortgage Deals is not responsible for third-party advice.

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