Frequently asked questions

Yes, buy-to-let mortgages are different from residential ones. They’re specifically designed for properties you intend to rent out rather than live in yourself. They usually require a larger deposit, and lenders will typically assess the expected rental income rather than just your personal income. We can help you find the right option based on your situation and the property.

Not at all! Being self-employed just means lenders will look at your income a little differently. Instead of payslips, you’ll usually need to provide things like tax calculations (SA302s), accounts, or bank statements. We work with lots of self-employed clients and know which lenders are more flexible in this area.

To an extent, yes. Your monthly payments will depend on how much you borrow, the interest rate, and the mortgage term. You can often tailor your payments by choosing a longer or shorter term, or by going for a repayment or interest-only option. Some lenders also allow overpayments or flexible payment options. We’ll help you understand what’s possible and what fits your budget.

Lenders will want to see proof of your income, details of your outgoings, information about the property, and a good idea of your credit history. Typically, you’ll need ID, bank statements, and payslips or self-employed income evidence. Don’t worry—we’ll guide you through everything you need, step by step.